Recently, the editor has received many complaints from customers about the complicated claims settlement: In fact, claims are a process, from the occurrence of an insurance accident to the submission of claims materials to

Recently, the editor has received many complaints from customers about the cumbersome claims:

is confused when the insurance policy is in danger and doesn’t know how to deal with it?

claims procedures are complicated, and there are still problems after going there? …

In fact, claims are a process. It is not easy for a customer to go from the occurrence of an insurance accident to submitting claims materials to getting claims. The editor has collected claims issues with high consultation frequency and vomited blood to compile this insurance claims guide.

There was a surprise when I pulled the comments. Don’t say I didn’t tell you (⊙x⊙;)

is absolutely conscience. Be sure to collect it. If you don’t collect it, I will vomit blood for you/(ㄒoㄒ)/~~

↓↓↓↓ conscience dividing line↓↓↓

❀❀Part 1❀❀❀❀

A picture tells you the entire process of claim settlement

Xiaoxin Tips:

1.When reporting the case, please inform the insured in detail of the name, ID number, time, place, reason and other content, and leave your contact information so that the company can contact you. (The number of major insurance companies to complete the report phone number, please pull until the end of the article.)

. When applying for , provide as detailed and correct information as possible, such as life insurance medical information and providing correct bank account numbers, to reduce the occurrence of conventional problems such as incomplete materials, inconsistent materials, inconsistent invoices, and shorten the time limit for claims.

3. Make good use of the convenient channel . In recent years, with the improvement of customer service levels of insurance companies, some insurance companies have launched "flash compensation" services. For example, Taiping Life Insurance has launched "reimbursement first and then verification" services in recent years, that is, prepayment of claims for simple claims cases that meet the conditions, and the claims application and review operations are completed later, giving users the opportunity to achieve "zero wait" for payment.

❀❀❀Part 2❀❀❀❀

Material preparation

Inpatient medical

1. Claim application

2. Insurance contract

3. Insured valid ID verification

4. Diagnosis certificate

5. Outpatient medical record

6. Medical expense receipt

7. Medical expense settlement details list

8. discharge summary

hospital subsidy

1. claims application

2. insurance contract

3. valid ID card

4. diagnostic certificate

5. outpatient medical record

6. medical expense receipt

7. discharge summary

8. outpatient medical record

9. medical expense receipt

10. discharge summary

11. outpatient medical record

12. medical expense receipt

13. discharge summary

    13

outpatient emergency medical

1. claims application

2. insurance contract

3. valid ID card

4. diagnostic certificate

5. outpatient medical record

6. medical expense receipt

7. medical expense settlement details list

8. prescription

Accidental disability

1. Account application

2. Insurance contract

3. Valid ID card

4. Diagnosis certificate

5. Accidental accident certificate

6. Disability identification

7. Accidental death

   1. Claim Application

   2. Insurance Contract

   3. Valid ID card for the insured

   4. Beneficiary valid ID card for the insured

   5. Accidental proof of relationship between the beneficiary and the insured

   6. Death certificate

   7. Household registration certificate

   8. Accident proof

   Major diseases

   1. Claim application

   2. Insurance contract

   3. valid ID card

   4. Diagnosis certificate

   5. Outpatient medical record

   6. discharge summary

   7. Related medical examination report

   8. Related medical examination report

   Disease disability

   2

   Claim application

   1. Insurance contract

   2. Valid ID verified by the insured

   3. Diagnostic certificate

   4. Disability identification verified by the insured

   5. Disability identification verified by the insured

   Disease death

   1. Claim application verified by the insured verified by the insured

   2. Insurance contract

   3. Valid ID verified by the insured

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   valid identity document of beneficiary

   4. proof of relationship between beneficiary and insured

   5. death certificate

   6. household registration certificate

   Xiaoxin Tips:

   1. The materials listed in the article are the materials that must be provided when life insurance is insured. According to the actual situation, other information must be provided if necessary, such as power of attorney and the trustee's valid identity document, transfer authorization letter and passbook (or bank card), relevant medical reports, accident certificates, fee receipts, etc. You should actively communicate with the insurance company.

   2. The contents of this part are compiled from the official websites of major insurance companies. Please actively contact the insurance broker for specific details.