1. Apply for claims. No matter whether the insured is hospitalized due to illness or accidental injury, you should try to apply for claims in writing to the insured insurance company within 10 days after hospitalization (the time requirements of each company may be different). If there are special circumstances, you should also call the insurance company's claims personnel within 30 days. If it is impossible to apply to an insurance company due to environmental restrictions, the insurance company may extend the application time for claims as appropriate. Otherwise, it will be deemed as a waiver of the claim.

Second, insurance companies issue claims materials. After the insured applies to the insurance company for claim settlement, the insurance company's claim settlement personnel shall deliver the Application Form for Hospitalization Claim Settlement and related hospitalization claim settlement materials to the insured as soon as possible, or mail them to the insured for the insured to read and fill in;

Three. The insured fills in and sends the claim materials. After receiving the hospitalization claim application form and related hospitalization claim materials mailed by the insurance company's claim personnel, the insured should read the relevant claim clauses carefully and fill in the claim application form carefully, and then hand it over to his attending doctor for signature. At the same time, the insured also needs to prepare the original receipt of hospitalization, detailed list of expenses, various inspection reports, outpatient or inpatient medical records, disease diagnosis certificates, discharge summary and other materials, and then hand them over to his attending doctor for signature, affix the official seal of the hospital medical department, and submit them to the insurance company or mail them to his insurance agent;

Four. After receiving the claim materials, the insurance agent of the insured shall start the claim procedure as soon as possible to check whether the claim materials reported by the insured are true or not, and whether there are any omissions in the reported materials. If there is no problem, you can claim compensation; If there is any problem, the insured shall be informed as soon as possible, and the materials shall be revised or supplemented immediately, but the time of this process should generally be controlled within one week;

Verb (abbreviation of verb) claims, if approved by the insurance company's agent, should be reported to the insurance company's superior audit department for approval and seal. If there is no problem, the insurance company's claim adjuster will settle the insurance premium according to the relevant provisions of the insurance contract. After the settlement results come out, the insured can seek an explanation from the insurance company if in doubt.

If both parties reach an agreement on the amount of insurance premium, the insurance company shall pay the insured the full amount of insurance premium by remittance or transfer according to the final settlement amount.