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As people's insurance awareness strengthens, the products of Internet insurance are becoming more and more accepted by people.
Most people are actually very nervous after impulsively taking out insurance online, and are worried that it will be particularly troublesome to ask an insurance company to settle claims when spending money. If the insurance company refuses to settle claims and deliberately does not settle claims, what should we do in this situation?
can only say that those who have this idea are really "worrying about nothing"!
Little did you know that the " Insurance Law " has explicit provisions on insurance claims. Let's take a look at the relevant provisions on claims in the "Insurance Law"! What are the regulations on claims in the insurance law?
1. Article 16 of the Insurance Law
stipulates: If an insurance contract is concluded and the insured asks about the relevant situation of the insured person or insured subject matter or insured , the insured shall truthfully inform .
This regulation is to prevent insurance fraud and fraud in .
If the insured fails to fulfill the obligation to truthfully inform , then an insurance accident occurs, the insurer has the right not to bear the liability for claims , and can not refund the insurance premium.
If the obligation to truthfully inform is not fulfilled due to gross negligence, the insurer may not bear the liability for claims incurred by the insured accident, but must refund the insurance premium.
2. Article 17 of the Insurance Law
stipulates that if an insurance contract is concluded, the format clause provided by the insurer shall be attached to the insurance policy provided by the insurer to the insurer shall be accompanied by the format clause, and the insurer shall explain the content of the contract to the insurer .
When signing an insurance contract, the insurer must make a sufficient reminder to attract the attention of the policyholder on the insurance contract, insurance policy and other insurance certificates. The content of the insurance clause can be explained to the policyholder through oral or written form . If this step is not carried out, the clause will have no actual effect.
3. Article 22-25 of the Insurance Law
has clear constraints on insurance companies for accepting claims cases: after the insurance company receives the claim application, reviews the information. If the information is not prepared incompletely, the customer must be notified to supplement it at one time.
Then perform accident verification . If the case is simple, it needs to be verified in time. generally cannot exceed 5 days , and the accident situation cannot exceed 30 days.
If the accident is insurance liability, must pay within 10 days. If it does not belong to insurance liability, it must issue a refusal to claim within 33 days.
This is all about the provisions and clauses of the Insurance Law on claims. The above is the reference provided for everyone, and I hope it will be helpful to you.
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