Earthquake Disaster Claim Question Answer:
(1) Question: Can personal injury caused by "earthquake" be compensated for insurance?
Answer: Any accidental medical treatment, accidental disability and accidental death caused by earthquakes can be obtained as long as it meets the terms of the insurance purchased.
(2) Question: Which products of the company are exempt from liability?
Answer: There is no "earthquake" exemption for personal insurance products, that is, the company will not pay compensation for "a disaster caused by an earthquake."
(3) Question: Due to earthquake injury treatment, what are the differences in liability when purchasing different insurances?
Answer: For the medical insurance liability, you need to pay attention to whether you purchase hospitalization medical insurance or accidental injury medical insurance.
For accidental injury medical insurance: both of the client's outpatient and hospitalization expenses fall under the scope of insurance liability.
For inpatient medical insurance: the cost of the client's hospitalization part falls within the scope of insurance liability.
Special note: For personal injury claims reporting caused by earthquakes, the claims handlers who receive the reports do not need to remind customers of the precautions for claims reporting such as "designated hospitals, self-paid drugs".
Earthquake Missing Emergency Service Consultation Skills
Q: Can Ping An customer disappear due to an earthquake? Can he apply for death insurance?
Answer: If the insured disappears due to an earthquake, if the court declares death and the date of his death is within the validity period of the insurance contract, our company will make a claim for death insurance in accordance with the contract. Our company will actively assist customers in handling relevant claims procedures. For details, please contact the local claims department and they will provide you with thoughtful help.
Attached with relevant legal provisions on declaration of disappearance and declaration of death
● Conditions for declaring a citizen's disappearance and declaration of death:
Conditions for declaring a citizen's disappearance: ① The whereabouts of the citizen are unknown after leaving his last place of residence. ② The whereabouts of the citizen must last for more than 2 years and cannot be interrupted. Those whose whereabouts are unknown during the war shall be calculated from the date of the war end. If the whereabouts of an accident are unknown, the calculation will start from the date of the accident.
Declaring a citizen to die should meet one of the following conditions:
① The whereabouts of the citizen are unknown for 4 years, ② or the whereabouts of the accident have been unknown for 2 years, ③ or the whereabouts of the accident have been unknown for 9 years, and the relevant authorities have proved that the citizen cannot survive.
●Application for
Applicant: The applicant must declare a citizen missing or dead, and the stakeholder of the citizen must apply for it. The interested parties are: first, spouse; second, parents and children; third, brothers and sisters, grandparents, grandchildren, and grandchildren; fourth, other related parties with civil rights and obligations.
Application method: The application of an interested party must submit a written application to the grassroots court of the residence of the unknown person. At the same time, submit a written proof of the whereabouts of the citizen from the public security organs or other relevant authorities.
●Announcement (Looking for unknown persons)
For those who are declared missing, the announcement period is 3 months
For those who are declared dead, if they are missing due to an accident and are proven to be impossible to survive by the relevant authorities, the announcement period is 3 months. In other cases, the announcement period is 1 year, and the announcement period is calculated from the day after the announcement is issued.
●Judgment
Announcement period expires. ①If the citizen has exact whereabouts and information, the court will make a judgment and reject his application; ②If the citizen still has no whereabouts and information, a judgment should be made to declare the citizen a missing person or die.
●New judgment
applicable circumstances: the missing person or the person declared dead reappears.
Applicant: I or an interested party.
The court verifies that it is true and shall make a new judgment and revoke the original judgment.
