Tiring-room has a lot of people to ask old crab the question about manage compensate recently.

Actually this manage compensate, want to clear up it only, had crossed large hole, not be what is difficult.

But to a lot of people some bewilderment " insurance is deceive people " , " insurance company is kite, manage compensate when bothered " , even jest says " insurance company with respect to two kinds of circumstances not compensate, this also not compensate, that also not compensate. That also not compensate..

The friend that bought insurance for the most part says compensate is less than, because did not reach conventional level,be, oneself case was not signalled according to the facts before perhaps be being bought, very person cast after discovering the body is unusual protect those who want diddle compensation not little also, this not the boiler of compensate, insurance company is not carried on the back.

Old crab manages today compensate after all difficult question, will follow everybody one Lao of Lao.

Insurance company deceives people, is manage compensate too difficult?

1, not be inside insurance limits

When everybody buys insurance, each insurance has its specific responsibility. Resemble buying medicine to want suit the remedy to the case same, always cannot say to buy patulin to want to let it treat disease of intestines and stomach.

Agree to compensate manages inside extent of liability in insurance contract only so, insurance company just can assume compensation to perhaps give the responsibility that pays insurance gold. This also informs us to must see except duty when buying insurance.

2, inside insurance limits, but the condition that did not obtain compensate

Besides above those who say not be inside insurance limits, although be in insurance limits,we notice even here is, but the condition that did not obtain compensate, also be to cannot manage of compensate.

Risk of some serious illness is for instance right " acute heart straightens " requirement, 4 conditions satisfy 3 ability compensate to pay, but if you satisfy two only, also be compensate not.

After all still is that word, see well insurance contract just is crucial.

2, conceal an illness, intentional diddle keeps danger gold

Insurance law sets the 16th times:

Tell obligation what the money before policy-holder perhaps was not fulfilled intentionally because of gross error sets according to the facts, enough affects an underwriter to decide to whether agree with accept insurance to perhaps raise premium rate, the underwriter has authority to remove contract. Intended nonperformance tells policy holder according to the facts compulsory, the insurance accident that before the underwriter removes to the contract, produces, do not assume compensation to perhaps give the responsibility that pays insurance gold, do not reimburse insurance premium.

This follows con and same, insurance company is affirmation won't manage of compensate ah.

Casting for instance before protecting, had known him body contracts some kind of severe disease clearly, but pay to can obtain compensate, conceal intentionally. This kind of circumstance, insurance company can remove even of insurance contract.

So everybody is being cast when protecting, it is clear to must signal him body case must signal him body case according to the facts, avoid to will come insurance company rejecting claims.

4, did not inform condition of insurance company health according to the facts

Cast when protecting intended or a few healthy cases that did not signal insurance company insurant according to the facts because of gross error, immediate impact insurance company is made whether agree with accept insurance or with why be being planted means accept insurance.

5, time limit of not clear insurance

This insurance time limit also often gives everybody popular science before crab over- .

Actually our everybody, always hold a kind of fluky heart more or less in. Next when him body occurrence problem, or after the friend meet with beside contracts heavy disease, just realize this to buy insurance.

But this moment, old crab is about to tell, if you are to awaiting period inside be or get out of danger, win compensation without method.

Await period: Also call observation period, inside the certain period after insurance contract become effective (it is 90-180 day) commonly, insurance company does not assume responsibility, normally insurance of major medical treatment and major disease insurance all have the agreement of observation period.

Common for, inside a paragraph of after guarantee slip become effective specific time, produce insurance accident, insurance company does not assume insurance responsibility, make await period.

When so we are buying insurance, must understand the extent of liability that clear risk plants and become effective time, lest be when sequel happening risk, occurrence dispute.

Old crab gives everybody popular science here plant nearly individually await deadline.

Weigh disease risk: Common serious illness risk is installed commonly have 90 days - 180 days await period, but reciprocity of different insurance company is waited for period the kind of be or get out of danger is different also, exclusive what old crab can say is, awaiting period inside meet with contracts heavy disease, that affirmation is not of compensate.

Medical treatment danger: Install 30 days mostly await period. If awaiting period inside the disease of diagnose, when to treat no matter, cannot get manage compensate; If go out because of the accident danger, and you are bought insurance contains accident medical treatment this part, insurance company is OK compensate pays.

Birthday danger: Birthday danger has 90 days commonly, 180 days await period. If await period inside sicken die is to cannot get manage compensate, but the die that brings about as a result of the accident does not suffer be restricted.

6, under franchise

There can be franchise in insurance of a lot of medical treatment this one. If you bought commercial insurance, submit an expense account amount is under this franchise, so insurance company also is won't compensate pays ha. When so master is picking medical treatment risk, see this product have franchise with respect to need.

Insurance company deceives people, is manage compensate too difficult?

Saying why insurance company is met all the time above rejecting claims. Next old crab takes everybody to analysed an analysis to appear to want the case of manage compensate really, how to undertake correct fast manage compensate?

① offers manage compensate application

This namely the be or get out of danger that we often say reports a case to the security authorities, the origin that everybody had better prepare information of identity of insurance contract, insurant, accident ahead of schedule first passes the relevant data such as the result, improve the efficiency that report a case to the security authorities.

Report a case to the security authorities time has is effectiveness for a given period of time, generally speaking: Person is safe (life of accident, serious illness, medical treatment, person) , insurance company of the 10 inside day announcements after insurance accident happens; Car danger, insurance company informs inside 48 hours. So, when producing insurance accident, inform insurance company as soon as possible without fail.

Of insurance company report a case to the security authorities channel has a lot of kinds, can call customer service telephone call, the agent below date of public of official APP, government, line is additionally OK.

② prepares manage compensate data

When everybody is preparing manage compensate data, can contact manage compensate assistant director, advisory need prepares what data. A few main manage compensate data were arranged to consult for everybody here.

Medical treatment: Detailed list of detail of bill of charge of hospital medical records, medical treatment, charge

Weigh disease: The disease diagnoses a proof

Die: Dead proof, census register cancels proof of proof, beneficiary beneficiary relation, accident to prove a data

Disable: Disable testimonial, accident proves a data

Finish actually these two issues are similar, the thing that is insurance company next.

Proof of ③ examine and verify and data

Wait for a data to hand in all ready later, manage compensate branch began proceed to investigate. This moment may ask you cooperate to offer additional evidence what again, darling cooperate with respect to Ok.

Generally speaking, accident responsibility is clear, the case with manage compensate complete data, cycle of examine and verify is small fast compensate kind be in commonly 3 weekday, common kind in 5-7 workaday, great kind be in commonly 20-22 is workaday.

Manage compensate money is general the 1-2 after end a case weekday can arrive Zhang.

Insurance company deceives people, is manage compensate too difficult?

3, old crab summary

Summary comes down, you can discover wanting successful run compensate to have element of a few gist is indispensable:

1.Do good health to inform

2.Do not outside borrow cure to keep card

3.Cast when protecting, inform according to the facts

4.See well clauses

5.On deck all manage compensate data

Had done these, manage compensate imagines without everybody medium so difficult. The knowledge of dried food of insurance manage compensate that passes popular science of old today crab, is everybody harvested full? Hope everybody learns manage compensate, dan Yongyuan does not need manage compensate.

Attention [protect crab to say really danger]

You want to understand cast protect knowledge here has

Let you cast protect relaxed, drop hole no longer