1. Report: After the insured has an accident, contact the insurance company in time and report it.
2. Investigation: After receiving the report, the insurance company will send professional technicians to the scene of the accident to investigate and collect supporting materials, such as accident certificates and diagnosis certificates.
3. Review negotiation: The insurance company reviews the materials to ensure that there is no insurance fraud. If the insured or his family members have any objection to the compensation amount of the insurance company, both parties can negotiate or go to court.
4. Claim settlement: When the insurance company passes the examination and the two parties reach an agreement on the insurance premium, the insurance company will pay the insurance premium.
To sum up, the compensation scope of student accident insurance mainly includes three parts: accidental disability, accidental medical treatment and accidental death. For its reimbursement process, the insured can reimburse according to the reimbursement process. For example, you can get compensation by reporting the case to the insurance company-providing relevant materials and certificates-submitting relevant materials to the insurance company-after investigation and review by the insurance company.
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