Verify the type of insurance and claim plan, and seek advice on insurance claims

If there is accident insurance, whether there is accidental medical treatment in the year, if so, what is the amount of insurance, accidental medical treatment is more than 100 yuan deductible, and 100% of the insured amount is compensated. If it occurs on the way to work, the employer will count the work-related injury, and you can ask the employer to bear the balance of the insurance benefit.

The process required for traffic accident insurance claims is: timely reporting, investigation and damage assessment, rescue**, mediation and settlement, submission of claims, and claim payment. The documents required for a traffic accident insurance claim are:

ID card and household registration book of the injured person; Road Traffic Accident Certificate; Outpatient medical records; Hospital inpatient medical records and other materials.

[Legal basis].

Article 27 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability If a road traffic accident occurs in an insured motor vehicle, and the insured or the victim notifies the insurance company, the insurance company shall immediately give a reply and inform the insured or the victim of the specific compensation procedures and other relevant matters. Article 29 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that the insurance company shall, within 5 days from the date of receipt of the certificate and materials provided by the insured, verify whether the liquidation is an insurance liability, and notify the insured of the result; If it does not belong to the insurance liability, the reasons shall be explained in writing; For those who are liable for insurance, the insurance money shall be compensated within 10 days after the agreement is reached with the insured to compensate the insurance money.

There is no statutory deadline for insurance claims. But you are wrong about this, you should not go to the insurance company to make a claim, you should go directly to the car owner to make a claim. A brief description of the standard process for handling this matter:

Since you said that the relevant departments have approved more than 100,000 yuan, it should also be paid by the car owner, and then the insurance company will pay the car owner, or the insurance company will issue an insurance guarantee to the hospital, and the medical expenses of the elderly can be booked, and the final insurance company will pay to the hospital after approval. If the insurance company deliberately delays, you can ask the car owner for compensation as soon as possible, if he does not compensate, then sue the court for compensation, and add the insurance company as the second defendant. In fact, the simple way is to find a lawyer to issue a lawyer's letter to the car owner, limit the time limit for compensation, and make a small threat, which is also good.

Hello, I am an insurance major, and the answer to your question is as follows:

1. When the market value of the house falls to 40,000 yuan, the insurance company will pay 40,000 yuan (property insurance has the principle of loss compensation, that is, compensation is made according to the actual value of the target, and the insured shall not obtain additional benefits due to the claim).

2. When the claim is settled, the market value of the house rises to 60,000 yuan, and the insurance company pays 50,000 yuan (because the actual value of the subject is 60,000 yuan, it is insufficient insurance, and the total loss of the subject will pay the full insurance amount).

3. Li due to the lack of liquidity in the business, pawned half of the house to get 20,000 yuan in cash, and the market price of the house has risen to 80,000 yuan after the fire, at this time, the insurance company paid 20,005 to the pawnshop and 20,005 to Li (the key is to mortgage half of the house, with 2 questions, the actual value of the subject is 80,000, insufficient insurance, and the total loss should be paid all the insurance amount of 50,000, because half of the house is mortgaged and cash, half of the compensation should be owned by the pawnshop, although the pawnshop only paid 20,000 at first, but did not make a profit, because at market prices, its loss is 40,000).

4. If the loss of family property is 50,000 yuan, the insurance company will compensate 50,000 yuan (same as 1 question, the principle of loss compensation).

5. If the loss of family property is 90,000 yuan, the insurance company will pay 60,000 or 40,000 yuan (the same as 2 questions, insufficient insurance, total loss, 60,000 yuan. For part of the loss, 40,000 yuan will be compensated. This question is uncertain).

It is important to note that the doctor confirms that the medical record is correct when prescribing it.

Dizzy. How many years ago the exam contented.。。 Forget all about it.

There is no need to write a claim application for insurance claims, because each insurance company has a corresponding **, just write the relevant information in the correct format.

Let's take a general introduction to how to fill out the hole claim application form (taking life insurance claims as an example), because the application form of each insurance company may be different, and life insurance.

Property insurance is not the same. But they all have one thing in common. First, it is necessary to distinguish between the insured and the insured, and the main information of the general claim application should be filled in with the information of the insured: name, ID number, home address, accident history, etc. There is also a bank card number.

Fill in the details as well. If the insured person is in the case of survival, the claim must be filled out and applied for by the insured, and if the insured is under the age of 18, the insured can apply for it. In the case of death, the beneficiary will make a claim.

In fact, the most important thing in insurance claims is not to fill in the claim application, but to provide a variety of claim information, generally there will be a detailed list of relevant information that must be provided on the back of the claim application form, in principle, everything that must be provided must be provided. And there are copies of the originals. There are many people who go back and forth to the insurance company many times because the information provided is incomplete, so Li Ku complains.

In fact, in order to trap customers, insurance companies do not want customers to run back and forth, so there are generally service personnel to help handle it, that is, insurance personnel. Customers only need one, and there will naturally be an insurance person to provide door-to-door service, which will save a lot of trouble. However, there is no full-time service staff for general telemarketing and online sales products, so you have to run errands for claims and other aspects.

Therefore, it is recommended not to buy such products for the sake of cheapness.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"