Insurance companies rarely deliberately delay the settlement of claims, but whether it is for everyone to solve their current troubles or prepare for their future, it is very necessary for Xuejie to publish articles to teach you some methods.
Before reading the article, I think you can know something about insurance claims:
You need to know what insurance claims contain and how to define disability standards.
First, how to deal with the insurance company's deliberate delay in claim settlement?
First of all, I want to tell my friends that it is not good for insurance companies to delay claims on purpose.
In fact, the insurance company boasted that it would take "two or three days" to settle the claim, which means that we formally filed a claim and continued to collect the money at last. The time for preparing materials does not count.
People usually think that the calculation time of claims should start from the moment we tell the insurance company. This situation can only be called a report, and it cannot be used as the time to apply for a claim.
Take medical insurance as an example. Only when the parties get their own medical records and expense settlement lists can they formally submit them to the insurance company to start making claims.
In view of the limitation of claims, insurance companies have official assessment indicators, so they should dare to load the personal assessment slowly and directly, which will damage the income! Do you think the insurance company still dares to stay?
Besides, if we are really unlucky to meet an insurance company that doesn't care about the assessment indicators and deliberately delays the settlement of claims, is there nothing we can do?
There must be a way. The following seniors will focus on taking you to understand:
1. Check with the insurance company first.
When this happens, you must calm down first. Who caused the trouble in essence and who needs to solve it, first negotiate with the insurance company, hoping that things can be solved as soon as possible.
If this method can make the insurance company pay your claim quickly, it is of course the most popular situation, but if this method has not worked, seniors have a second move.
2. Complain to the regulatory authorities
The insurance industry is different from other industries. In China, China Banking and Insurance Regulatory Commission will strictly supervise all insurance companies.
Therefore, when we encounter a dispute with insurance, we can solve the problem by complaining to the CBRC and other regulatory agencies about the companies involved.
Perhaps in this way, the insurance company will not make any small moves.
Senior here also gives you a secret to deal with insurance claims disputes, and you will never be afraid of all kinds of disputes and disputes in the future:
Correct Operating Procedures for Claims Disputes
Today, I will give you a popular science insurance company with stronger claims service.
Second, recommend an insurance company with excellent claims service!
When it comes to claims service, we have to say Tongfang Global Life Insurance Co., Ltd.
This insurance company's claims service is very famous in the insurance industry and has a good reputation.
The 20021annual claim report released by Tongfang Global Life shows that the amount of compensation paid by Tongfang Global Life in 20021is not low, which is 487 million yuan, of which the time limit for applying for compensation is as short as 1.29 days, and the odds are not low, reaching 99.7%.
Besides fast payment, payout ratio is also high. Who can't love such an excellent insurance company?
For claims service, Tongfang Global Life Insurance Company has made four commitments:
1, reply in time
Arrange a special person to pay a return visit within 2 working days after receiving the customer's claim report information. Provide customers with one-on-one service to familiarize them with the whole claim settlement process. The claimant will receive a short message about the claim information within 1 working days after confirming the claim.
Step 2 settle claims quickly
Handle each case fairly, justly, reasonably and sensibly. For medical insurance claims with complete application materials, clear responsibilities and no need for comments/investigation, the insurance company must issue relevant claims decisions within 5 working days from the date of receiving the customer's claims application.
For non-medical insurance claims cases with complete application materials and clear responsibilities, such as major illness, disability and death, a claim decision will be issued to the customer within 10 working days from the date of receiving the customer's claim.
If the settlement result cannot be determined within 10 working days, the settlement result shall be determined within 30 days (calculated from the date when the company receives the customer's claim). Perform the obligation of compensation or insurance payment within 10 days after reaching an agreement with the customer on compensation or insurance payment.
Customers who pay normally will notify the claimant by SMS within 1 working days after making a claim decision. If the payment is not made, a notice of non-payment will be sent to the customer within 3 working days from the date of approval, with reasons attached.
3. One-time bills
If the claim application materials are incomplete, filled in irregularly or need to be supplemented after examination, the applicant shall be clearly explained in writing at one time after receiving the application from the insurance company, and the customer shall be informed of the contents that need to be corrected or supplemented.
4. The claim application is convenient, and the customer saves time and effort.
For serious illness cases, online application and online claim settlement will be fully launched. Customers can use the company's online service platform to apply for all kinds of claims independently, and support family members or business personnel to handle them, making claims more convenient and efficient.
The development of hospital direct connection quick compensation service, after docking with hospital data, insurance companies will gradually obtain the medical information of claims customers without the need for customers to provide medical care.
The data can be settled. At present, there are 73 directly connected hospitals, including Hubei, Jiangsu, Shanghai and Zhejiang provinces.
Small claims are paid as quickly as possible. From customer application to claim payment, the average claim time limit is 13 seconds, and the claim payment reaches the account in 5 seconds at the earliest, which improves the customer's claim service experience.
Limited by space, if you want to know more about Tongfang Global Life Insurance Company, I suggest you read the following article:
How about Tongfang Global Life Insurance? What products are there, what are good, and what are the pits? In-depth analysis.
Summary: If the insurance company delays the claim, it can negotiate with the insurance company first. If negotiation fails, please ask the regulatory authorities to help us.
Tongfang Global Life Insurance Company has a very good reputation and excellent claims service, so we can order their insurance products with peace of mind.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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