Hello! Insurance claim settlement refers to the behavior of the insurance company to perform the compensation or payment responsibility according to the contract when the insured's property loss or personal life damage is caused by the insurance accident, or other insurance accidents stipulated in the policy need to be paid. As for what information is needed for insurance claims, it is generally necessary to judge according to the specific types of insurance.
Basic process of insurance claim
1, put on record for investigation. After receiving the notice of danger, the insurer shall immediately send someone to conduct on-site investigation, understand the situation and reasons of the loss, check the insurance policy and register for the record.
2. Review certificates and materials. The insurer shall examine and verify the relevant certificates and materials provided by the applicant, the insured or the beneficiary.
3. Check the insurance liability. After receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, the insurer shall, after verifying the facts and reviewing various documents, promptly verify whether and how much insurance liability it should bear.
4. Fulfill the obligation of compensation. On the basis of verifying the liability, the insurer reaches relevant compensation or pays the insurance amount with the insured or beneficiary on the insurance liability.