What are the common reasons for the failure of insurance claims?

The common reasons for the failure of insurance claims are non-underwriting, diseases that do not meet the standards of claims, and false information. Many people are hesitant to buy insurance, perhaps because they hear from people around them? It's easy to buy insurance, but you don't have to pay for it when you settle the claim, so you don't have to pay for it? . Generally speaking, insurance companies will not refuse to pay compensation without reason, and all the compensation results come from contracts. Insurance is the behavior of both parties, and the principle of utmost good faith is principle. When the insured is insured, does the insurer have a share? Health report? What do you want to know about insurance? What is the abnormal medical history, present situation and past medical history of the insured? At some point? Some also ask about the insurance and financial status of other insurance companies. Someone knew about this table, but deliberately concealed it when protecting it. Some people really don't know, but they are cheated by the salesman. Generally speaking, unless it is intentional ignorance, the insured is unaware of the intentional behavior of the salesperson, which can be considered as the insurance company's training is not in place.

A lot of people just think? So and so insurance is enough? As a result, the risk is not compensated and disputes arise. The most common disputes are caused by the confusion between critical illness insurance and medical insurance. If you want to buy serious illness insurance, you must meet the requirements of the contract. If it does not meet or meet the requirements of the contract, it is naturally impossible to pay. Medical insurance belongs to reimbursement insurance, which stipulates that hospitals can be reimbursed after seeing a doctor, drugs can be reimbursed, and reimbursement can only be made if they meet the reimbursement conditions. It is very important that medical insurance reimbursement can only be reimbursed after social security reimbursement. Therefore, many people just bought critical illness insurance for minor illnesses, or failed to reach the scope of critical illness insurance claims. These expenses can be reimbursed through medical insurance.

After the insured is out of danger, the insurance company will not refuse to pay compensation, that is to say, the insurance company's pimping is generally a claim dispute caused by defective terms, and it is a claim dispute caused by the salesman's violation in the factoring process. Another performance is that the insurance company is very shameful. There is a problem with the insurance company's own terms or presentation process, which will trigger some legal terms. Even if the insured produces evidence to prove that the insurance company has violated the law, it should make compensation according to the existing laws. Insurance companies can also play dumb and deliberately drag the problem of handling problems into legal proceedings, first instance, second instance and high court trial.

Many friends think that insurance companies should lose money. If the insurance company refuses to pay compensation, it must be intentional. Actually, it's not. Sometimes refusing insurance is not the fault of the insurance company. If the claim dispute is caused by buying the wrong insurance, you can't blame the insurance company. When the employees of the insurance company asked you to buy insurance, they didn't buy it themselves. Maybe the insurance you are buying now is not ready to go out of danger. When you are refused compensation, the reason for this refusal needs to be found out from yourself. For example, you obviously bought auto insurance, and your child is ill in hospital, but you ask for auto insurance compensation. This is because you don't know anything about insurance. Friends who know a little about insurance know that car insurance will not be paid if they are hospitalized. Of course, these situations are not the fault of the insurance company.