What are the precautions after buying insurance? How to pay for
? How to settle the claim? How to complain about rights protection? Do you know all this?
Today, I will talk to you about these issues.
1. What after-sales services do insurance companies have?
In addition to handling claims, paying pensions, annuities, policy dividends and investment income for the insured, insurance companies generally provide:
(1) changing insurance policies for customers, handling policy migration and other insurance matters;
(2) delivering insurance policies to customers and providing consultation;
(3) paying and receiving insurance benefits reminder services;
(4) emergency relief services;
(5) return service;
(6) lost policy and invoice reissue, etc.
2. What should I do if the insured has changed his name?
If the insured is a minor, the guardian can go to the company to apply for the ID card, insurance policy, original household registration book of the insured and the change certificate issued by the police station (if there is a new and old name on the household registration book, you do not need to issue a certificate again). If the insured is an adult, it must be handled by him.
3. How to change the address and phone number contact information?
After your contact information is changed, please go to the insurance company to handle the change procedures in time. You can choose to go to the insurance company counter or entrust others, letters, phone numbers, etc. to facilitate the insurance company to keep in touch with you.
4. How to change the beneficiary?
The insured shall apply to the insurance company's counter with his valid ID and original insurance policy, and after the insured is signed and confirmed by the insured, the insurance company shall issue batches of and paste it on the original insurance policy.
After the above steps, the beneficiary is modified. After an insurance accident, the insurance premium will be paid to the changed beneficiary recorded on the parcel form if the insured cannot accept it.
5. What should I do if the insurance policy is lost?
After accidentally losing the insurance policy, the insured can take his ID card to the insurance company counter for reissue, and the cost of 10 yuan is generally required.
6. What should I do if I can’t afford the insurance for long-term payment?
If the payment method you choose is to pay in installments, you should pay the renewal insurance premium on time and in accordance with the contract to ensure that the policy continues to be valid. If you encounter difficulties in paying fees, you can consider taking the following measures:
(1) use grace period. grace period is generally 60 days, which can be used as a delay time to raise funds to pay premiums.
(2) Automatically advance the premium. Some insurance policies have automatic premium payment terms, and you can choose this function when purchasing insurance. As long as the cash value of policy is greater than the premium paid, the premium can be automatically upgraded from the cash value.
When signing an insurance policy, you should carefully read the content of the column "Automatically qualify for premium payment" and consult its meaning, and choose whether to use this clause after careful consideration. Don’t let insurance marketers choose for themselves without knowing it, so as to avoid unnecessary trouble after signing the contract.
(3) policy pledge loan. Some insurance policies have the function of policy pledge loans. According to this clause, you can apply for loans to the insurance company with the life insurance policy as the pledge and pay premiums.
(4) handle the reduction of the amount and clear insurance. If the insurance has been insured for more than 2 years, the cash value of the policy can be used as the insurance premium, and the corresponding amount can be purchased in one go, which can keep the original insurance type and period unchanged, but the insurance amount will be reduced accordingly.
(5) Reduced insurance. , that is, part of , cancellation of , can reduce the insurance amount and reduce the insurance premium paid, which can alleviate the pressure of payment and have some insurance coverage.
(6) fails and re-effects. If none of the above methods are successful, the effectiveness of the policy will be temporarily suspended (called "suspension" or "invalidity"). At this time, if an insurance accident occurs, the insurance company will not bear the liability for compensation. But within two years, you can still apply for policy re-effectiveness from the insurance company. The policy re-examination can not only maintain the cash value of the original policy, but also continue to pay the fee according to the insured's original age. Therefore, it is recommended that after re-establishing the payment ability, re-examination will be processed within two years to regain insurance coverage.However, if the insured is in poor health, the insurance company may refuse to re-effect, so it is best not to let the policy expire.
(7) Refund insurance. This is the worst policy. Although the policyholder’s freedom is the insured’s freedom, it will bring many adverse consequences. The main reason is that the insurance is lost and the premiums are lost. If you reinsured in the future, more premiums will be charged according to your new age and health status.
7. What should I do if I forgot to pay the insurance premium?
After purchasing insurance, you should pay the renewed insurance premium in a timely manner. If you forget to pay the fee, you should first check whether it is within the grace period. If the grace period is still within the grace period, the insurance company's customer service specialist should be promptly notified to apply for the charges or pay the premium as soon as possible (to go to the bank to deposit money as soon as possible); if the grace period exceeds 60 days, the policy will be invalid and the policy re-examination procedures are required.
8. What should I do if my insurance salesperson leaves?
If your former salesperson leaves the company due to job transfer, the insurance company will appoint a customer service specialist to provide you with special services.
9. What are the conditions for the policy replication effect?
policy reimbursement effect: (1) The policyholder submits an application for reimbursement to the company, and the two parties reach an agreement to restore the validity of the contract; (2) The retention period of the reimbursement application is two years from the date of the contract suspension; (3) The policyholder must pay the insurance premiums and interest owed during the period of the insurance contract suspension.
10. The difference between cash value and premium of insurance policy?
The cash value of the policy is the policyholder’s cash value when the policyholder terminates the life insurance contract or the contract expires, the insurer will refund the insurance premium to the insured after deducting the risk expenses that have been borne and depositing the necessary liability reserves. The cash value of the insurance policy generally changes with the payment period and the age of insured. Generally, there are fewer initial insurance periods. As the policy year increases, the cash value increases year by year.
11. When termination of the insurance contract, how to calculate the surrender fee?
According to Article 47 of the Insurance Law of the People's Republic of China, "If the insured terminates the contract, the insurer shall return the cash value of the insurance policy in accordance with the contract agreement within 30 days from the date of receipt of the notice of termination of the contract."
Here, Xiaodao wants to explain that relinquishing the insurance policy during hesitation period can reduce losses. Article 48 of the Insurance Law of the People's Republic of China. Life insurance contracts with insurance periods exceeding one year shall have a hesitation period. The insured has the right to terminate the insurance contract during the hesitation period, and the insurer shall promptly refund all insurance premiums. The hesitation period shall not be less than twenty days from the date on which the insured signs for the insurance policy.
12. How to report an insurance accident to apply for a claim
Insurance beneficiaries call the insurance company within 10 working days from the date of the insurance accident to report the case, so as to obtain timely help. You can also get claims assistance through the following methods:
(I) Notify your insurance marketer and seek assistance;
(II) If it is purchased through an agency authorized by the insurance company, you can submit a claim application to the agency and then forward it to the insurance company by the agency;
(III) If you purchase products through the bank, you can submit a claim application to the bank and then transfer it to the insurance company by the bank;
(IV) Report the case through the insurance company's online reporting system;
(V) Go to the insurance company in person, and the customer service staff will answer your claims questions and assist you in handling the claims.
13. What insurance consultation or complaint channels are there?
You can call the national unified service number of each insurance company, consult the insurance agent or consult the insurance company counter. If you want to complain, you can choose to file a complaint with an insurance company, a local insurance industry association or a local insurance regulatory bureau.
14. All information is available for compensation. There are doors for compensation.
(I) Death claims.
. Essential information required for providing (if there is no special explanation, all information is required for originals)
1. Claim application.
2. Insurance contract.
3. The identity document or household registration certificate of the beneficiary of the death insurance benefit.
4. Certificate of relationship between the beneficiary of death insurance and the insured: such as household registration book, marriage certificate, kinship relationship certificate, etc.
5. If the beneficiary is not designated or the designated beneficiary dies before the insured, please provide the notarized documents of the legal heir.
6. The insured's identity document, a medical death certificate issued by the hospital or public security department, a certificate of household registration cancellation, and a funeral certificate.
7. Other supporting documents and information you can provide related to confirming the nature and cause of the insurance accident.
8. If you die due to an accident, please provide proof of the accident.
(II) Non-death claims
requires relevant examination and testing reports, such as: nuclear magnetic resonance, CT, B-ultrasound, X-ray, electrocardiogram, laboratory test reports, pathological tissue examination reports, etc.
1. The certificates of the intensive care unit include the intensive care unit fee certificate, nursing records, etc.
2. Identity certificate/household registration certificate: If the applicant for insurance is a minor, the legal guardian shall apply for the claim on his behalf. Please provide the guardianship certificate, the guardian's identity document and other information when applying.
3. If you are seeking medical treatment due to accidental reasons, please provide a certificate of accident: public security department records, certificates, alarm receipts, forensic examination reports, etc.; incidents in which road traffic accident vehicles cause personal injury or property losses due to fault or accidents on the road. Responsibility certification letter, traffic accident mediation letter, motor vehicle driver's license, motor vehicle driving license, etc.; work-related injury accident appraisal report, unit work-related injury accident report, etc.; others: newspaper clippings, photos, etc.
4. When applying for exemption of insurance premiums, you must also provide the insured and insured household registration certificate and identity documents.
5. For application materials for major diseases, please refer to the requirements of the terms and conditions.
6. For diagnosis and treatment in the outpatient clinic, the outpatient information includes: complete and true outpatient and emergency medical records; official receipts for outpatient and emergency medical expenses with complete names, dates, etc.; outpatient and emergency examination and inspection report; prescription or expense list corresponding to the invoice.
7. Other supporting documents and information you can provide related to confirming the nature and cause of the insurance accident.
15. How long does it take from applying for a claim to receive the payment
0 After the materials are complete, the insurance company will make a claim decision within 10 working days for cases that are insurance liability and do not require investigation and feedback to the insured or beneficiary.
For cases where the result cannot be determined within 10 working days, the insurance company shall notify the insured or beneficiary of the progress before the end of the 10th working day and explain to them the time possible.
For insurance liability, the obligation to compensate or pay insurance shall be fulfilled within 10 days after reaching an agreement on compensation or payment of insurance amount with the insured or beneficiary.
For those who do not belong to insurance liability, the insurance company shall issue a claim conclusion notice to the insured or beneficiary.
If the insurance company cannot determine the amount of compensation or payment of insurance within 60 days from the date of receipt of the request for compensation or payment of insurance premiums and relevant certificates and information, the minimum amount that can be determined based on the existing certificates and information will be paid first; after the insurance company finally determines the amount of compensation or payment of insurance premiums, the corresponding difference will be paid.
小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小� The insurer shall promptly notify the insured or beneficiary of the approval results; if it is insurance liability, the obligation to compensate or pay the insurance premium shall be fulfilled within ten days after reaching an agreement on compensation or payment of the insurance premium with the insured or beneficiary. If the insurance contract stipulates the period for compensation or payment of insurance premiums, the insurer shall perform the obligation of compensation or payment of insurance premiums in accordance with the agreement.
If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in a timely manner, in addition to paying the insurance premium, he shall compensate the insured or beneficiary for the losses suffered by the insured or beneficiary.
No unit or individual shall illegally interfere with the insurer's obligation to compensate or pay insurance premiums, nor shall it limit the rights of the insured or beneficiary to obtain insurance premiums.
Article 24 After the insurer makes an approval in accordance with the provisions of Article 23 of this Law, if the insurer does not belong to insurance liability, he shall issue a notice of refusal to compensate or refuse to pay the insurance premium to the insured or beneficiary within three days from the date of approval, and explain the reasons.
Article 25 If the insurer fails to determine the amount of compensation or payment of insurance benefits within 60 days from the date of receipt of the request for compensation or payment of insurance benefits and relevant certificates and materials, he shall pay the corresponding difference first based on the amount that can be determined by the existing certificate and information; after the insurer finally determines the amount of compensation or payment of insurance benefits, he shall pay the corresponding difference.
16, other claims precautions
1. You must apply for claims in a timely manner within the validity period of the specified claim (5 years of life insurance, 2 years of accident and health insurance).
小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小� The limitation period for the insured or beneficiary of life insurance to request payment of insurance benefits from the insurer is five years, which is calculated from the date when he knows or should know that the insurance accident occurs.
2. The claim application and power of attorney must be signed by the claim beneficiary.
3. The accident situation and type of insurance application must be stated when filling out the claim application form.
4. When the beneficiary is still in a minor, the guardian shall apply for it and shall also provide a proof of guardianship relationship.
5. The hospital for treatment must be a hospital designated or approved by the insurance company.
6. The receipt of medical expenses and the prescription must correspond to each other.
7. The name and ID card of the medical receipt must match.
8. The claim review notice must be replied in a timely manner.
9. Hospitalized medical insurance generally has a waiting period.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-