What to say during the critical illness insurance claim interview, and the content of the critical i

It is necessary to explain the claim status of critical illness insurance to the insurance company's claims adjuster, mainly including the reason for the claim, the amount of the claim, and the time of the claim. [Click to get a free 1-to-1 insurance consulting service].

During the critical illness insurance claim interview, the customer needs to explain his or her situation to the insurance company and provide relevant claim information. Customers may be required to state information about the diagnosis, process, medical expenses, insurance terms, etc. At the same time, the customer needs questions from the insurance company to ensure the authenticity and accuracy of the claim application.

During the interview, the client needs to express his or her claims and get the full amount of the insurance company's claim. If the client is clear and logical in the interview, and provides sufficient information about the claim, then the claim may be paid in full. If you want to know how to buy insurance, it is recommended to choose [Camel Planning], all consulting experts of Camel Planning have many years of industry experience, have professional backgrounds in insurance, finance, economics, etc., 100% registered with the China Banking and Insurance Regulatory Commission, have rich experience in family insurance planning and consulting, based on the platform multi-dimensional assessment system, and control the quality of consultant services in the whole process.

Summary. Once a claim is filed, the insurance company will investigate the following:

1. Check the insurance contract to confirm the authenticity of the insured and the beneficiary.

2. Check whether the disease is within the scope of the product's major insurance diseases, and further investigation will be carried out if there is a dispute.

3. Check the medical record diagnosis to determine the current status of the critical illness. Some critical illnesses require some kind of surgery, and some critical illnesses need to reach a certain status before they can be paid, in which case the insurance company will need to look at the outpatient certificate, medical records, surgery costs, and relevant examination reports and other materials to determine.

4. Investigate whether there is any concealment of medical history, if you conceal your illness when applying for insurance, and the insurance company finds that the health of the insured is not truthfully informed after investigation, then the claim will be refused.

After the above contents are investigated and confirmed, the insurance company will perform the contract to pay compensation, and any problems in any link will delay the time of insurance claims or increase the difficulty of insurance claims.

I hope it helps you and I wish you a happy life.

Critical illness claim interview.

After Shen Shu Nian reports the claim, the insurance company will investigate the following matters: 1. Check the insurance contract to confirm the authenticity of the insured and the beneficiary. 2. Check whether the disease is within the scope of the product's major insurance diseases, and further investigation will be carried out if there is a dispute.

3. Check the medical record diagnosis to determine the current status of the critical illness. Some critical illnesses require some kind of surgery, and some critical illnesses need to reach a certain status before they can be paid, in this case, the insurance company will need to look at the outpatient certificate, medical records, surgical costs, relevant examination reports and other materials to guess the size to determine. 4. Investigate whether there is any concealment of medical history, if you conceal your illness when applying for insurance, and the insurance company finds that the health of the insured is not truthfully informed after investigation, then the claim will be refused.

After the above contents are investigated and confirmed, the insurance company will perform the contract to pay compensation, and any problem in any link will delay the time of insurance claim or increase the difficulty of insurance claim. I hope it helps you and I wish you a happy life.

What to say during a critical illness insurance claims interview.

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Hello, what he asks you, just be honest. Be careful to ask if you have any pre-existing conditions and say no. They will investigate it themselves.

The content of the critical illness insurance claim interview.

Are there any details?

Ask about custom messages].

Hello, there is no detailed content of this bad luck, and it is generally to determine whether it is the real situation. Whether you use medicine, what kind of spring medicine you use, it is not in line with the disease you are suffering from.

What to pay attention to during a critical illness claim interview.

Pay attention to ask if you have ever been sick before buying the insurance, **uncomfortable or the like, you just say no. Others they will investigate.

Ok thanks.

You're welcome, and have a great day! Please give it a thumbs up.

Summary. First, submit a claim application, submit personal information and diagnosis certificate, and pass the preliminary review. Then, a special claimant will come to the door for a docking review, and will carefully review the health notices that are easy to take away during the purchase process to see if there are any non-compliances.

Inquiry**, ask one by one, carefully check, record the whole process, and sign the record for confirmation. It's like a trial, it doesn't feel great anyway (there's a big question: why not double-check before buying insurance to see if it's eligible for insurance?).

If you don't meet the requirements, you will directly refuse the insurance, and there will be nothing behind). Then you will be asked to retrieve your medical insurance process records, cooperate with various hospitals to obtain your medical records in recent years, and inquire in detail about medical treatment and medication. If you are not clear, you should ask your attending doctor to confirm and do not leave out every detail.

No privacy at all. It can only be said that the claim review is still very strict, and it is unlikely that the insurance will be fraudulent. Next, summarize and resolve the claim.

Regardless of whether it is the first time to be diagnosed, as long as there are relevant symptoms that can be judged by others, no compensation can be paid. For example, if you have a long-term cold, an infection may be a symptom of a serious illness, and you can not compensate or negotiate compensation, and there is no clear limit. After confirming the claim plan, sign and confirm, wait for review, and then wait for compensation.

Hello. Why is the critical illness claim interviewed, because the claims involved are more complicated, and only the interview can be confirmed.

First, submit a claim application, submit personal information and diagnosis certificate, and pass the preliminary review. Then, there will be a special claimant who will come to the door for a docking review, and will carefully review the health notices that are easy to take away during the purchase process to see if there are any non-compliance with the terms. Inquiry**, ask one by one, carefully check, record the whole process, and sign the record for confirmation.

It's like a trial, it doesn't feel great anyway (there's a big question: why not double-check before buying insurance to see if it's eligible for insurance?). If you don't meet the requirements, you will directly refuse the insurance, and there will be nothing behind).

Then you will be asked to retrieve your medical insurance process records, cooperate with various hospitals to obtain your medical records in recent years, and inquire in detail about your medical treatment and medication. If you are not clear, you should ask your attending doctor to confirm and do not leave out every detail. No privacy at all.

It can only be said that the claim review is still very strict, and it is unlikely that the insurance will be fraudulent. Next, summarize and resolve the claim. Regardless of whether it is the first time to be diagnosed, as long as there are relevant symptoms that can be judged by others, no compensation can be paid.

For example, if you have a long-term cold, an infection may be a symptom of a serious illness, and you can not compensate or negotiate compensation, and there is no clear limit. After confirming the claim plan, sign and confirm, wait for review, and then wait for compensation.

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Whether a face-to-face visit is required for critical illness insurance claims depends on the specific claim situation and the regulations of the insurance company [click to receive free 1-to-1 insurance consulting services].

In general, insurance companies usually do not need to conduct an in-person interview for simple claims cases, such as qualifying for claims and submitting applications in a timely manner. However, for complex claim cases, such as medical history investigation, large claim amounts, etc., the insurance company may require a face-to-face interview to better verify the claim applicant's situation. In addition, some insurers may conduct face-to-face interviews in specific circumstances, such as when the claims applicant makes an unsolicited request or when the claims applicant is suspected of fraud.

Therefore, it is recommended that users understand the regulations and procedures of the insurance company when applying for a critical illness insurance claim, and actively cooperate with the insurance company's investigation and requirements. If you want to buy or consult, it is recommended that you choose [Camel Planning], Camel Planning has a team of senior consultants and experts in the industry, and truly recommends products suitable for users objectively from the perspective of users. There are also technical experts from well-known Internet companies in Shiqiao, who use big data, cloud computing and artificial intelligence to help users scientifically configure security solutions; There is also a complete and powerful claims assistance team, the team members are senior experts who have been working in related fields of the industry for more than ten years, involving claims, law, underwriting, medicine and other fields, so that users can <> worry-free insurance claims

Whether a critical illness insurance claim requires an interview, it is also necessary to see the actual situation of the insurance case. Generally speaking, if it is a simple case with complete materials, then there is usually no need for an interview.

However, if it is a more complex case, such as an insurance policy that occurs soon after the insurance is insured, the amount of insurance is huge, the frequency of claims is too frequent, etc., then the insurance company may need to conduct an interview to investigate and verify the actual situation of the case.

Friends who don't know what claim information to prepare, you can take a look at this article:What are the general claim information? Details determine the success or failure of a claim!

When it comes to critical illness insurance claims, you should pay attention, because if the following situations are involved, the insurance company may refuse to pay.

1. Accident during the waiting period.

The waiting period refers to the period during which the insurance company will not be liable if the insured person unfortunately has an insured event (unless otherwise agreed).

If the insured person is diagnosed with a critical illness during the waiting period, the contract will generally be terminated and the premium will be refunded. Some of the more stringent products will also directly terminate the contract and refund the premium when the diagnosis of mild to moderate disease is confirmed.

2. Failure to meet the insurance company's Lifeng chain compensation conditions.

You should know that not only if a certain disease is diagnosed within the insurance period, the insurance company will pay for it. For most illnesses, the insurance company will only pay out the benefits after the agreed state is reached or the agreed surgery is performed.

For example, in the critical illness insurance, the second claim for severe malignant tumors, and the insured's second ** Yinyan grandson of cancer, if the insured does not reach the agreed degree of illness, apply to the insurance company for compensation, which is often unable to pass the review. Hope.

1.Contact the insurance company to confirm the time and location of the interview;

2.Attend the interview on time and prepare relevant medical certificates, diagnosis reports, hospital receipts and other documents;

3.Please read through and understand the terms and conditions of the insurance contract before the interview;

4.During the interview, you should provide as much detailed information as possible about your condition, process, etc., to ensure that the insurance company understands the severity of your condition;

5.For the insurance company's questions, it should be true, accurate, and detailed;

6.Express feelings rationally and avoid emotional expressions;

7.Finally, negotiate and agree on the relevant matters of the claim, including the amount of compensation, the method of payment, etc.

During the interview, it is necessary to remain calm and objective, provide relevant information frankly, and actively cooperate with the insurance company to do a good job in claim settlement.

Generally speaking, if it is a simple case with complete materials, then the insurance company usually does not need to conduct an interview.

What information is generally required for critical illness insurance claims? Here's what the experts have to sayWhat are the general claim information? Details determine the success or failure of a claim!

However, if it is a more complex case, such as an accident just after the waiting period, a huge amount of insurance, and too frequent claims, then most insurance companies still need to conduct an investigation, so they may conduct a face-to-face interview.

Take the waiting period as an example, everyone should know that there is a waiting period for us to apply for critical illness insurance, and if an insured event occurs during the waiting period, the insurance company generally does not bear the responsibility to pay the insurance money, unless otherwise agreed.

For those who don't know about the waiting period, you can take a look at this article:During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

Generally speaking, the insurance company will send its own company's compensation specialist or entrust the adjuster's claims adjuster to conduct an interview, the main purpose is to verify some problems, fully understand whether the insured has deceived, defrauded the insurance, etc., and judge whether the claim standard can be met.

If you need to visit when you make a critical illness claim, don't worry, we just need to respond to the problem according to the facts, generally we truthfully inform the health before applying for insurance, if the insurance meets the requirements of the claim, in fact, the claim will be relatively smooth, and the insurance company will not deliberately block and not let you be compensated.

Hope to pick up the early Kina.