PICC 400 1234567
Pacific Ocean 10 108888
Taiping 95529
Huatai 95509
Ping an 955 1 1
Yongcheng 95552
Anbang 95569
Dida 95590
Tianan 95505
Huaan 0 10-88580842
Yongan 95502
China United Airlines 95585
Bohai 4006 1 16666
Sunshine 4000-000-000
Balance 95550
Dupont 4008895586
Bank of China 95566
China Life Insurance 4008007007
Anhua Agriculture 0 10-643933 15
First, the insurance claims process
1, notify the insurance company;
To put it simply, anyone can report the case, call the customer service phone of the insurance company, tell the ID number of the insured, and the customer service staff will guide them into the follow-up link. Pay attention to the requirement of reporting time. The limitation of life insurance claims is generally 5 years, and personal insurance other than life insurance is generally 2 years. 2. receipt; It's a little complicated here In addition to the claim application, the material requirements of different types of insurance are different, and the claim adjuster will explain it in detail.
3. Initial core; If the materials are complete, the facts are clear and meet the claim requirements, the payment will be notified within 2-3 working days. If this time is exceeded, it means that the preliminary examination failed. There is an obvious exemption, and you enter into negotiations or investigations.
4. Joint negotiation; Negotiators will communicate with the insured (the insured). After the insured verifies the situation, if there is no objection, it will be reviewed and the insured will be informed whether to compensate. If the insured has any objection, the negotiator will submit the investigation for further understanding.
5. investigation; Investigators will conduct detailed evidence collection work, and we will talk about the specific investigation content later. Investigators will feed back the survey results to Xie Tan, who will further communicate with the applicants. After the investigation is completed, the final conclusion is reached through consultation and communication, and the applicant accepts or takes legal channels to appeal.
Second, how to appeal against unreasonable insurance claims
1. negotiate with the insurance company. On the basis of the insurance contract, the two parties directly communicate and reach an agreement to solve the problem by themselves.
2. If negotiation fails, apply for arbitration and submit the claim dispute to a professional arbitration institution, and reach an arbitration agreement, which will be settled by the arbitration institution. The arbitration procedure is simple and flexible. The third party arbitrates the dispute, and the award has legal effect. One party must fulfill it. If it fails to perform within the time limit, the other party may apply to the court for compulsory execution.
3. If the arbitration is invalid, the applicant will take legal action to file a reasonable claim with the insurer through the court according to legal procedures, and the court will solve the dispute according to legal procedures, which can effectively solve the dispute in the long run, but it will cost a certain amount.