Since the validity period of the serious illness insurance fund is only 6 months, if the user fails to use it in time after receiving it, it will automatically become invalid. If the insured is unfortunately diagnosed as a major disease as stipulated in the contract, he can apply to the insurance company for compensation according to the following procedures:
1. Open Alipay APP and click My-Ant Insurance-All My Policies;
2. Click on the claim in the serious illness protection fund-report the case immediately;
3. Enter the claim information according to the page prompts, and click Submit Information;
4. After being audited by the insurance company, you can receive the corresponding insurance money.
Claim requirements of serious illness insurance fund:
1, the patient is the account himself;
2. The confirmed hospital is a secondary and secondary public hospital;
3. The diagnosis time is within the guarantee time of the policy;
4. Being diagnosed with "25 major diseases stipulated by the state" as stipulated in this contract due to non-accidental injuries.
The insured amount of Alipay's serious illness insurance fund can be accumulated by using Alipay for payment, collection, transfer, health and other activities, and the number and amount that can be accumulated every day are randomly generated by the system.
Legal basis:
People's Republic of China (PRC) insurance law
Article 17 stipulates that if an insurance contract is concluded with standard clauses provided by the insurer, the insurance application provided by the insurer to the applicant shall be accompanied by standard clauses, and the insurer shall explain the contents of the contract to the applicant. With regard to the clauses in the insurance contract that exempt the insurer from liability, when concluding the contract, the insurer shall make a prompt that can attract the attention of the insured on the application form, insurance policy or other insurance documents, and make a clear explanation to the insured in written or oral form; If there is no prompt or clear explanation, this clause will not take effect.
Article 23 stipulates that the insurer shall, after receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, grant it in time; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed. If the insurer fails to fulfill the obligations stipulated in the preceding paragraph in time, it shall compensate the insured or beneficiary for the losses incurred therefrom in addition to paying the insurance money.