Does the insurance claims company need to return the financial claims that have been overpaid?

You need to return the goods, otherwise the insurance company has the right to sue you. 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 causes property loss, personal injury or death damage due to the subject matter insured, or needs to pay the insurance money due to other insurance accidents agreed in the policy. It is a work that directly reflects the insurance function and the performance of insurance liability.

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1, is it necessary to leave the hospital before making a claim?

It depends on what insurance products you bought and what illness you were admitted to hospital. According to the provisions of the Insurance Law, after the occurrence of an insured accident, when the applicant, the insured or the beneficiary requests the insurer to compensate or pay the insurance money according to the insurance contract, they shall provide the insurer with the certificates and materials they can provide to confirm the nature, causes and loss degree of the insured accident. According to the contract, if the insurer thinks that the relevant certificates and materials are incomplete, it shall promptly notify the applicant, the insured or the beneficiary to supplement them.

2. How long does it usually take for insurance claims to arrive?

As long as the claim materials are prepared truly and fully, there is no suspicion of fraudulent insurance, and the claim conditions are met, the time for insurance claims to arrive in the account is quite fast, usually within 3 to 7 days after approval. At present, for simple cases, many companies can even receive accounts within half an hour, but in the face of complex cases, such as claims for chronic diseases, major diseases or auto insurance accidents, it may take more than one month to settle claims.

3, the principle of insurance claims

(1) Honor contracts and keep promises. The rights and obligations stipulated in the insurance contract are protected by law. Therefore, life insurance companies must respect contracts, keep their promises and correctly safeguard the rights and interests of policyholders.

② Insist on seeking truth from facts. In the process of claim settlement, we should deal with it realistically and correctly determine the insurance liability, payment standard and payment amount according to the specific situation.

③ Active, rapid, accurate and reasonable. Let the insured feel at ease and convinced.

4. What should I do if the insurance claim is delayed?

① If the insurance company claims that the transfer is successful, the insurance beneficiary needs to check whether the card number is correct. After verification, he can ask the designated bank to check whether the money has not arrived because of network problems.

(2) If the insurance company fails to transfer money, the customer can go to the insurance company to inquire about the specific situation. If the audit materials are insufficient, fill in the relevant materials as soon as possible; If there are other reasons, both parties can solve them through consultation. Under normal circumstances, the insurance company will transfer the money within three working days after receiving the claim.