However, many small partners still have many questions about the "insurance claims" link. Now senior sister will talk to you about insurance claims related topics.
Because there are quite a few professional words involved in the following, in order to better understand the following contents, you can first understand some basic insurance knowledge:
Before buying insurance, you must first understand these key knowledge points! 》
1. Who should I look for if the insurance claim is delayed?
If the insurance claims are not settled for a long time, you can first find out the reasons for refusing to pay and negotiate with the insurance company (taking the insurance situation as an example).
(1) The claim materials are not fully prepared.
Just like critical illness insurance, the claims of critical illness insurance usually only include the following materials:
① purchased critical illness insurance policy, claim application and insured's household registration certificate (ID card, household registration book)
(2) The diagnosis certificate or report, outpatient medical records, discharge summary and hospitalization summary, and the diagnosis certificate of multiple hospitals should be provided at the same time;
③ Medical expense receipt, hospitalization expense receipt and detailed list of hospitalization expenses;
(4) pathological, laboratory, imaging, electrocardiogram and other inspection reports, which need to be stamped with the effective signature of the medical institution.
From this, we can know that there are many materials involved in insurance claims, because the materials must be collected in time, and it is best not to miss them.
If you have any other questions about this, you can read more detailed popular science articles:
What are the general claims materials? Details determine the success or failure of claims! 》
(2) The reasons for the insurance company's refusal to pay compensation are illegal.
At this time, consumers can go to the local insurance regulatory bureau to take complaint measures, prepare detailed, true and reasonable complaint materials, and then go through the complaint process to safeguard their legitimate rights and interests, and can bring a lawsuit to the court.
The specific way to complain is to log in to official website and inquire about the telephone number or email address of rights protection complaints. Generally speaking, there must be a reason why insurance companies always refuse to pay compensation. Some insurance companies do have the problem of slow claims, but they will arrive sooner or later after successful claims.
(3) The claim meets the requirements and the information is complete. The insurance company has never paid the claim.
You can complain to the local insurance regulatory bureau according to the matter, and just call the insurance regulatory bureau directly to complain. Assuming that the insurance company has been contacted, no effective solution has been found, and your application has reached the standard of claim settlement, and the complaint to the Insurance Regulatory Bureau can not handle this problem well, you can go to court to sue.
Second, who should I look for if the insurance claim is delayed?
Which insurance company claims service is in place? Let's learn about Tongfang Global Life!
Tongfang Universal Life was established by Dutch Universal Life Insurance Group and Tongfang Co., Ltd. with a registered capital of 2.4 billion yuan. In 2003, the company officially obtained the business license issued by the government, and its life insurance business in China officially started.
Tongfang Global Life was founded in the first half of19th century, with a long history of nearly 200 years, ranking among the top financial service companies in the world. Headquartered in The Hague, the Netherlands, it has a wide range of business, including America, Europe and Asia.
At present, the company's total assets are close to 400 billion euros, and it has provided life insurance, pension and asset management professional services to about 29 million users, and has been listed on the Amsterdam and new york stock exchanges. It has been selected as one of the Fortune 500 companies for many years in a row, and has been selected as one of the nine "too big to fail" insurance institutions in the world by the International Financial Stability Board.
From the above, we can find that Tongfang Global Life is indeed an insurance company with particularly strong capital and strength, and the protection will be better when claims need to be made. If you want to measure the insurance company's claims service, it still depends on the solvency of the insurance company!
Let's take a look at the solvency report of Tongfang Global Life in the third quarter of 2022.
Senior sister found the latest solvency report of Tongfang Global Life. The solvency report for the third quarter of 2022 shows that the core solvency adequacy ratio of Tongfang Global Life is 1 18%, and the comprehensive solvency adequacy ratio is 184%. In the second quarter of 2022, the comprehensive risk rating was AA.
For further understanding of Tongfang Global Life's plan, please refer to this more detailed evaluation article:
How about Tongfang Global Life Insurance? What products are there, what are good, and what are the pits? In-depth analysis.
Write it at the end
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