Legal analysis: First of all, we should call the customer service phone of the insurance company in time, and at the same time, we should know the materials needed for claim settlement, and then submit the materials to the insurance company for claim settlement. Accept the report: After the insured is out of danger, the insured/policy beneficiary should report the accident to the insurance company, explaining the cause, place, time and course of the accident. Receiving documents: the insured/policy beneficiary should prepare the claim materials according to the tips of the customer service staff, and personally submit the formal claim to the customer service center or entrust the policy service staff to apply for the claim within the statutory time limit; After verifying the claim application materials, the customer service center decides whether to file a case. Audit materials: After the case is accepted, the auditor will audit the claim application materials according to the insurance contract and insurance laws and regulations, and finally determine that it belongs to the insurance liability, and then calculate the compensation amount. Compensation for closing the case: the customer service staff will inform the beneficiary of the result of the claim by phone, and pay compensation in the agreed way, and finally assist the applicant to close the case.
Legal basis: Article 12 of the Measures for the Administration of Insurance Clauses and Insurance Rates of People's Republic of China (PRC) Life Insurance Company refers to life insurance with death, disability or other accidents agreed in the insurance contract as the conditions for payment of insurance benefits.