School insurance problem, is there still a claim of 45,000 yuan? Urgent!

First of all, one, on the side of insurance companies. Only the start and end times of the insurance date are recognized. In the event of an accident that occurs outside of the insurance period. The insurance company can deny the claim.

Second, on the school side. You paid at the beginning of September. The accident occurred in mid-October, and it was more than a month during this period.

The school didn't have insurance, and it was delayed! It must be a dereliction of duty on the part of the school! (Even if it is paid by class, in order to avoid accidents, the school can completely insure the students who have already paid the money first, and then make up the students who pay the money later, so as to prevent this kind of accident from happening.)

The school has an unshirkable responsibility.

Three, I don't know what you said about the accident, it was an accidental injury. Or disease. Different student insurances.

Depending on the amount, the benefits for accidents and illnesses are also different. You need to check with your school or insurance company. Be informed.

If there are no such surprises, then yours"Something happened"Whether it is within the insurance liability and whether it can be compensated. How much you can lose.

Fourth, the figure of more than 40,000 yuan is not a trivial matter for any ordinary family, and I understand that it is not easy for students. Hope I can do my best to help you. My email is leave your QQ

First of all, it is certain that you must be able to get compensation, because you pay the premium in September, and the insurance is in October, as for what is delayed, it is nonsense to take effect late, and when you pay the premium, it should be regarded as the contract starting to take effect, and there is no need to worry about the issue of insurance taking effect, if you file a lawsuit, the court will definitely support you.

If you only hand over the money to the school, and the school does not pay the money to the insurance company, your rights and interests will be infringed by the school, you can negotiate with the school for a claim, and the insurance company will definitely not compensate. If the money has been handed over to the insurance company, and the policy is issued, as for the agreed effective time in the legal effect is low, the court will generally not support, I don't know what kind of insurance you entered, Xueping insurance, when there is a disease, there will be a three-month protection period, that is, during the protection period, does not constitute insurance liability, if you have been continuously renewed, no matter which company was in the previous year, the insurance company will also pay, and there is no protection period for accidents.

Go to the school to find the teacher in charge of insurance, make a copy of the original policy, look at the policy and effective date, and generally take the student insurance group for the class. If you take a copy of the insurance to find an insurance salesman to help you find a claim for compensation during the insurance period, you will not be able to sue in court. Regardless of whether it seems to be Chinese life, as long as it is within the insurance period, it is an insurance liability that will definitely be compensated.

The school insurance claim process is as follows:

1. After accidental injury or hospitalization, you should call the customer service staff ** to inform the insurance company as soon as possible, and prepare the required documents in time;

2. The insured shall be hospitalized in a hospital recognized by the insurance company for treatment at or above the second level;

3. If the required proof of the insured is complete, the insurer shall make a notice of closure within 7 working days after the completion of the review, and the beneficiary or the insured can go to the insurance company to receive the compensation after receiving the notice.

The student should fill in the claim application form at the University Finance Office with the following certificates and materials in a timely manner, and entrust the application for insurance payment: the original voucher of medical expenses issued by the hospital recognized by the insurance company; A diagnosis certificate issued by a hospital recognized by the insurance company; A copy of the student's student.

Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident on the subject matter of the insurance, or when the insurance money needs to be paid due to the occurrence of other insured accidents as stipulated in the insurance policy, which is a direct embodiment of the insurance function and the performance of the insurance liability.

It depends on the situation at the time, if it is caused by playing or playing with children during class, it is an accident, and neither party is responsible. This can be covered by the school's liability insurance. If it is caused by some unsafe teaching facilities, the school is liable, which can also be reported by the school's liability insurance.

School insurance is what we call school insurance. Regardless of which insurance company's insurance company, his claim coverage mainly includes three situations. One is accidental medical treatment, including accidental outpatient and emergency care, accidental hospitalization and other benefits.

The other is medical treatment for illness, which can be reimbursed according to regulations after being hospitalized for illness. The last type is the death and disability benefit, which pays a certain amount of insurance benefits due to accident or illness.

It should be noted that although the student insurance can reimburse the medical expenses caused by accidents and diseases, most of them only cover the expenses within the social insurance. We should compare more when choosing a student insurance for the elderly, and choose the most suitable one for you.

The reimbursement scope of 100 yuan student insurance generally includes the following items: 1. Accidental death and disability: compensation for death and disability caused by accidents; 2. Accidental medical treatment

Go to the outpatient clinic or hospitalization for reimbursement because of the injury caused by bumps or cats, dogs, bites, and limbs, usually with a limit and generally limited to the use of drugs in social insurance; 3. Hospitalization allowance: The subsidy for hospitalization is generally deductible for 3 days, which usually refers to accidents, and it is necessary to pay attention to the scope of protection; 4. Critical illness: This is less, if there is a compensation for children's serious illness, some are good, if not, try to buy regular or lifelong serious illness insurance for children; 5. Liability insurance

Make due compensation for the damage caused to other people or things because the child is naughty.

Of course, if you are hospitalized due to a cold, fever or illness, the deductible is 100 yuan, and then it is paid according to the following graded progressive proportions: more than 100 yuan to 1000 yuan, the payment ratio is 50%, more than 1000 yuan to 5000 yuan, 60%, more than 5000 yuan, 70%. The deductible for accidental injury is 50 yuan, and the payment ratio is 80%.

How is the school insurance covered:

1. Hospitalization can be partially compensated (if not hospitalized, no compensation).

2. Under normal circumstances, the insurance company will pay the compensation within 10-15 working days after receiving all the information required for the claim, and the claim is paid according to the provisions of the contract and the proportion of the local medical insurance, and the medical expenses and surgical expenses will be calculated first, and some will not be compensated by medical insurance. Then according to the contract between the school and the insurance company, the compensation is generally 50-55% below 1000 yuan, 60-65% for the 1000-5000 part, and 70-75% for the 5000-10000 part.

3. Go to the school to inquire whether the information is sent to the insurance company, and if so, call the insurance company to consult the reason.

Extended Information: Coverage Options.

1. Choose a reputable company. Buying insurance is buying service, and it will be the quality of service that widens the gap between insurance companies. A good insurance company must be for the sake of the insured customers everywhere. For example, claims can be made fairly, justly, and quickly.

2. People have good insurance professional ethics.

With professional level and after-sales service in place, the company can also provide customers with a variety of services, such as contract conversion, overseas emergency assistance, consulting, etc. From the customer's point of view, you must find the right person for yourself. There are three main factors that affect the service quality of people:

Professionalism, expertise, added value.

With good professionalism, everything from the interests of customers, this is the basic requirement for the best people. But not everyone can do it. If your ** person can't insist on long-term quality service, or slack, or quit, then it is likely that you will suffer.

The insurance company's insurance business promotional materials shall not ** the company's profits or dividends, as well as policy dividends and interest margins.

return and other uncertain policy benefits; The promotion of insurance products shall not exaggerate or disguise the insurance liability.

3. Insurance products also have a strong professionalism, and you can't spend a lot of energy to maintain the operation of the entire policy, so it is very important for you to find a high-quality person. For example, in the process of claims, if the ** person does not operate properly and undercounts the amount, you are likely to suffer economic losses. The last good ** person tends to have a good added value.

Around him will be a group of doctors, accountants, lawyers and other professionals, and he may also be a financial planner himself, who can provide you with a full range of high-quality services. And this is something that ordinary ** people can't provide.

Summary. Hello dear! The school insurance claim process is as follows:

1. After accidental injury or hospitalization, you should call the customer service staff ** to inform the insurance company as soon as possible, and prepare the required documents in time;

2. The insured shall be hospitalized in a hospital recognized by the insurance company for treatment at or above the second level;

3. If the required proof of the insured is complete, the insurer shall make a notice of closure within 7 working days after the completion of the review, and the beneficiary or the insured can go to the insurance company to receive the compensation after receiving the notice.

The student should fill in the claim application form at the University Finance Office with the following certificates and materials in a timely manner, and entrust the application for insurance payment: the original voucher of medical expenses issued by the hospital recognized by the insurance company; A diagnosis certificate issued by a hospital recognized by the insurance company; A copy of the student's student.

How to make a claim for school insurance.

Hello dear! The school insurance claim process is as follows: 1. After an accident or hospitalization, you should call the customer service staff of Yu Xiao to inform the insurance company and prepare the required documents in time; 2. The insured shall be hospitalized in a hospital recognized by the insurance company for treatment at or above the second level; 3. If the required proof of the insured is complete, the insurer shall make a notice of closure within 7 working days after the completion of the review, and the beneficiary or the insured can go to the insurance company to receive the compensation after receiving the notice.

The student should fill in the claim application form at the University Finance Office with the following certificates and materials in a timely manner, and entrust the application for insurance payment: the original voucher of medical expenses issued by the hospital recognized by the insurance company; A diagnosis certificate issued by a hospital recognized by the insurance company; A copy of the student's student.

The school insurance claim process is as follows: 1. After an accident or hospitalization, you should call the customer service staff ** to inform the insurance company as soon as possible, and prepare the required documents in time; 2. The insured shall be hospitalized in a hospital recognized by the insurance company for treatment at or above the second level; 3. If the required proof of the insured is complete, the insurer shall make a notice of closure within 7 working days after the review, and the beneficiary or the insured can go to the insurance company to receive compensation after receiving the notice. The student should fill in the claim application form at the school finance office with the following certificates and materials in a timely manner, and entrust the application for payment of insurance money

The original voucher of the medical burner fee issued by the hospital recognized by the insurance company; A diagnosis certificate issued by a hospital recognized by the insurance company; A copy of the student's student. Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident on the subject matter of the insurance, or when the insurance money needs to be paid due to the occurrence of other insured accidents as stipulated in the insurance policy, which is a direct embodiment of the insurance function and the performance of the insurance liability.

The claim process is as follows:

1. After an accident or hospitalization, you must report to the insurance company within 3 days: you can notify the ** person, the agent, or directly call **** and report the case online.

2. The insurance company will investigate and review the materials submitted by the policyholder to confirm the authenticity of the materials.

3. After the insurance company reviews it, it will negotiate the claim amount with the insurance company, and the insurance company will issue the compensation after both parties have no objection.

It should be noted that for students who purchase student insurance for the first time, the insurance company will not pay the claim until 90 days after the effective date of the policy.

Extended information: Learn the full name of rough flat insurance"Ping An insurance for primary and secondary school students"It is a kind of personal accident insurance, which is a kind of insurance for the characteristics of primary and secondary school students. It is often voluntarily insured by students when they enter school, and the insured person only needs to pay a premium of a few tens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment.

It is the most extensive and common insurance for children and teenagers.

Its biggest feature is that the premium is cheap and the coverage is relatively wide, which is more suitable for underage students. Each insurance company generally has its own insurance terms, and the terms of each company will have some differences in terms of insurance liability, insurance amount, compensation, etc. Shown below is only one of a clause.

When applying for insurance, you must also carefully read the terms and conditions of the insurance company you are applying for.

Characteristics of insurance types. The purchase procedure is simple, low-cost, sufficiently secure, safe and worry-free.

Death Benefit: If the insured dies due to an accident or illness covered by accident insurance, the company will pay the insurance benefit according to the agreed insurance amount.

Disability Insurance: The Company shall attach this contract if the insured suffers a disability within 180 days from the date of the accidental injury insurance accident"Degree of disability and benefit ratio"The prescribed proportion is multiplied by the agreed amount of insurance to pay the insurance benefit.

If you really want to buy some insurance for yourself and your family, I recommend you:

1. First of all, learn and understand some insurance knowledge;

2. Understand the role and significance of insurance;

3. Clarify your own needs for insurance;

4. Insured according to your actual needs and economic ability. Truly do: clear consumption, down-to-earth enjoyment. Otherwise, due to one's ignorance for the time being, it may be exchanged for infinite troubles in the future.

For adults, buying insurance should first buy social security, and then you can choose to buy some commercial insurance to supplement. Because social security is the foundation, and commercial insurance is also an important part of social security. There are some basic principles for buying business insurance, such as:

Adults first, then children; Basic first, then perfect; First near and then far ??Wait a minute. It should be necessary to understand and follow these principles.

If you want to know more about insurance, you can check it out on the insurance website. Or find a high-quality insurance salesman who is responsible and proficient in business to conduct relevant business consultation.