How many days will the insurance rejection notice be issued, and how to give the insurance rejection

The notice of refusal is usually issued within 3 days. Dry and balanced.

After the occurrence of an insured event, when the policyholder, the insured or the beneficiary files a claim, if it is not an insurance liability, it shall issue a notice of refusal and explain the reasons within 3 days from the date of verification. For insurance liability, the insurance company shall pay the compensation within 10 days after the compensation agreement is reached.

The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after learning of the occurrence of the insured event. If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, unless the insurer has known or should have known in a timely manner through other means that the insured accident has occurred. If the insurer fails to perform the above-mentioned obligations in a timely manner, in addition to paying the insurance money, it shall compensate the insured or the beneficiary of the filial piety for the losses suffered thereby.

Under normal circumstances, the insurance company will refuse to pay for the customer's claim only if the fact of the customer's claim does not meet the insurance liability stipulated in the insurance clause, or there is evidence to prove that the insured policy is invalid, or it meets the conditions for terminating the insurance contract. Under normal circumstances, the insurance company formally refuses to pay compensation by issuing a stamped notice of refusal to the insured or the beneficiary of the insurance. There are paper versions and electronic versions, you can contact the customer service of the insurance company for details.

The insurance company is unable to determine the insurance liability (the insurance company wants to refuse but does not dare to refuse, and does not dare to pay if it wants to pay).

The most common occurrence in this case is that it is not possible to determine the insurance liability. To put it simply, according to the claim materials provided by the claim applicant, there is no way to confirm whether the insurance liability is established or not, and there is no way to make a judgment. The common scenarios are as follows:

01 Incomplete claim materials.

The claim applicant came to the claim with invoices, checklists and other materials, but only the medical records were missing.

The usual practice of the insurance company is to notify the claim applicant by SMS, or issue a "Notice of Supplementary Materials", informing that the materials are completed before making a claim, otherwise it will not be accepted, or it will issue a "Notice of Inadmissibility".

02 Insurance liability cannot be determined.

That is, the claim applicant has provided all the claim materials in accordance with the requirements of the insurance company, but it is extremely difficult to determine the occurrence of the insured event because of the complexity of the insured accident itself. For example, in personal accident insurance.

The following happened: A woman in her 70s said that she accidentally injured her waist and went to the hospital to be diagnosed with a compression fracture of the lumbar vertebrae.

But from a medical point of view, older women have osteoporosis.

Prone to fragility fractures, the typical common part is the lumbar vertebrae, and often by a slight external force can occur fractures, that is to say, the insured mentioned that the bruised waist may not be the root cause of the fracture, but many insurance companies are more difficult to deal with such cases, whether it is compensation or refusal to make a decision easily, sometimes the insured may be required to prove the occurrence of traumatic injury, or let the insured go to the judicial appraisal agency to do "injury participation appraisal".

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If the insurance company refuses to make a claim, whether to issue a written notice of refusal.

According to the regular process, the insurance company must show a notice of refusal, and there is a time limit. If you are not satisfied, you can provide evidence to the CIRC for feedback or directly sue the court, and the court and other departments will make a judgment. A notice of refusal is a written document issued by the insurer to the insured when the insurer rejects the insured's claim.

Use the "Refusal Notice" in the property preservation insurance and the "Refusal Notice" in the life insurance.

Legal analysis: If the insurance company refuses to pay compensation without justifiable reasons, it can file a complaint.

In addition to complaints, there are also the following ways to protect rights:

1) You can first negotiate with the relevant personnel of the insurance company to deal with the claim matters, and try to solve the dispute over the claim (2) If the negotiation fails, you can go to the special complaint center of the insurance company to deal with the complaint and ask the insurance company to deal with the claim as soon as possible (3) If the problem is still not solved, you can go to the Insurance Regulatory Commission for complaint handling (4) If the dispute is still not resolved, you can protect your legitimate rights and interests through litigation.

Legal basis: Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 22 In any of the following circumstances, the insurance company shall pay the rescue expenses in advance within the liability limit of the compulsory insurance for motor vehicle traffic accident liability, and shall have the right to recover from the victim:

1) The driver has not obtained driving qualifications or is intoxicated;

2) Causing an accident during the period when the car covered by the insurance motor register was stolen or robbed;

3) The insured intentionally causes a road traffic accident.

In any of the circumstances listed in the preceding paragraph, if a road traffic accident occurs, the insurance company shall not be liable for compensation for the property damage caused to the victim.

<> cooling-off period refers to the period of time during which the insurer can terminate the insurance contract without any liability within a certain period of time after signing the insurance contract. Generally, the length of the cooling-off period depends on the type of insurance contract, such as health insurance, life insurance, property insurance, etc. This article will detail how many days the cooling-off period is for insurance and how to determine the length of the cooling-off period.

1. How many days is the hesitation period for insurance?

1.Health insurance.

Generally, the cooling-off period for health insurance is 15 days, and within 15 days after signing the insurance contract, the policyholder can cancel the insurance contract without any liability.

2.Life insurance.

The cooling-off period for life insurance is generally 30 days, and within 30 days after signing the insurance contract, the policyholder can terminate the insurance contract without any liability.

3.Property insurance.

The cooling-off period for property insurance is generally 15 days, and within 15 days after signing the insurance contract, the policyholder can terminate the insurance contract without any liability.

2. How to judge the length of the hesitation period.

1.Depending on the type of insurance contract.

The length of the cooling-off period depends on the type of insurance contract, such as health insurance, life insurance, property insurance, etc., and the cooling-off period of each insurance contract is different.

2.According to the regulations of the insurance company.

Different insurance companies may have different regulations, so before signing an insurance contract, you should read the insurance company's regulations carefully to determine how many days the cooling-off period is for insurance.

III. Conclusion. From the above, it can be seen that the cooling-off period of insurance refers to the period of time when the insurer can terminate the insurance contract without any liability after signing the insurance contract. Specifically, the cooling-off period is 15 days for health insurance, 30 days for life insurance, and 15 days for property insurance.

In addition, different insurance companies may have different regulations, so before signing an insurance contract, you should read the insurance company's regulations carefully to determine how old the cooling-off period is.

This article discusses how many days is the cooling-off period for insurance and how to determine the length of the cooling-off period. The results show that the cooling-off period is 15 days for health insurance, 30 days for life insurance, and 15 days for property insurance, while different insurance companies may have different regulations, so one should read the insurance company's regulations carefully to determine how many days the insurance company has before signing an insurance contract.

The insurance company usually issues a notice of rejection within 3-30 days, with a reason.

According to the relevant provisions of the Insurance Law, after receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall verify it in a timely manner; where the circumstances are complicated, a response shall be made within 30 days. Therefore, if the policyholder wants to apply for insurance as soon as possible, it is best to prepare detailed insurance information so that it can be reviewed faster.

The reasons why the insurance company refused to pay compensation are as follows:

1.Pre-existing conditions: The insured person has a pre-existing condition before the insurance is enrolled.

2.Expenses that are not covered: Illnesses or medical expenses that are not covered by Hokyo's scope or medical expenses.

3.Disclaimer: The policyholder also needs to carefully check the insurance exclusion when applying for insurance, and the insurance company will not make a claim within the insurance waiver.

4.No compensation if the hospital is not agreed in the contract: no compensation will be paid if the hospital is not agreed upon in the hospital.

5.No duplicate claims: Million Medical is a reimbursement medical insurance and will not make duplicate claims. Critical illness insurance and accident insurance can be claimed repeatedly.

6. Compensation not within the contract guarantee period: The insurance has an insurance guarantee period, and there is no compensation for more than one year in the short term.

7.No compensation within the deductible: No compensation if the deductible is not exceeded. Guess with caution.

8.No compensation for accidents during the waiting period: No compensation for sickness reimbursement during the waiting period.

9. Concealment and non-notification will not be compensated: health notification is required before insurance, and if the insured does not truthfully inform when applying for insurance, and deliberately conceals it, no claim will be made.