This article is reproduced from the WeChat official account of "Account Bang". Account Bang focuses on legal services for insurance claims protection, and provides free legal consultation services to users who encounter insurance claims disputes.
The scope of insurance coverage is very important when purchasing insurance insurance. When consumers purchase insurance, insurance liability is very important. In terms of insurance liability, insurance is divided into three categories:
1 and naked insurance. There is only one type of insurance liability for naked insurance, usually death liability.
2. Semi-risk. There are two types of insurance liability for semi-insurance, usually death liability and serious illness liability.
3, total insurance. The insurance liability of the entire insurance is comprehensive, and some also come with exemptions, including death liability, serious illness liability, accidental medical care, accidental injury, hospitalization medical care, etc.
Medical records are also very important during the claim process.
In the claims process of medical insurance and disease insurance , medical records can play a big role. Often, many rejections are because the medical records are written incorrectly. Therefore, when consumers go to the hospital for treatment, they must pay attention to these contents:
1. Tell the doctor that they have purchased commercial medical insurance or disease insurance.
2. If it is an accident, please ask the doctor to write the accident into the medical record.
3. Ask the doctor to avoid writing sensitive words such as congenital or recurrence of old diseases when writing medical records.
4. Try to choose to seek medical treatment in public hospitals.
5. Keep the information provided by the hospital well, which is an important basis for determining claims.
If the doctor writes the wrong thing when filling out the medical record, it should be modified according to the "HTM5 Medical Record Writing Basic Specifications ". The typos should be marked with double lines on the typos, keep the records clear and identifiable, and indicate the modification time. It should be noted here that typos must not be covered or removed by scraping, sticking, or applying.
In addition, the editor of Claim Help gives you a tip, which is the commonly used claim information.
1, claim application form
2, medical record
3, cost list
0 Friendly reminder: Consumers must not hide the details of the medical treatment. The claim examiner can tell the difference from the difference between the cost list and the medical record. Once discovered, it will affect the progress of the claim and even refuse to pay.
In terms of death compensation, medical records are not necessary evidence for claims. Materials required for compensation for death compensation:
1, insurance contract
2, insured death certificate
3, beneficiary identity proof
4, bank account
5, claim application form
Here the claim help editor wants to say: In many cases, the failure of the claim is not because the insurance company refuses to file a claim, but because the information provided by the claim applicant is not clear enough. Generally speaking, the insurance company will calculate all risks and have a liability reserve. If it is a claim application that meets the conditions, as long as the information is accurate, insurance premiums can generally be obtained.
Claims Bug focuses on legal services for insurance claims rights protection, and provides free legal consultation services to users who encounter insurance claims disputes. For more practical claims articles, please follow the WeChat official account of Claims.
