I don't know if you have found that young people nowadays are generally under pressure, only the early 20's age, you have to bear the pressure of buying a house, buying a car, repaying the loan and other kinds of life pressure, it is also because of the influence of these pressures, young people nowadays, the quality of the body is also generally declined, for this reason, more and more people began to consider buying insurance in case of diseases or accidents.
But most people do not have the experience of buying insurance, coupled with the insurance is easy to be misled by some bad salesman, which in turn will lead to their own refused to claim. Therefore, in order to avoid this situation, the insurance brother specially prepared a series of anti-claims material, through the real case + knowledge in the form of science, I hope to help you better understand the insurance, to avoid the future to buy insurance is pit, waste of money.
01, today's case
This is a true story, sometime in 2017, the person Zhao Mou in the insurance company for the 32-year-old wife bought a point of major disease insurance, premiums 8000 per year, the amount of coverage of 500,000 yuan. In March of the following year, his wife, Li Mou, accidentally slipped and fell while cleaning at home, and caused a stroke, the good thing is that Li Mou was sent to the hospital in a timely manner, after the attending physician a few hours of resuscitation, his wife, Li Mou, successfully passed the dangerous period, and after being discharged from the hospital, Zhao Mou took a variety of medical bills to the insurance company to make a claim.
By the way, if things go well, 500,000 yuan of insurance should be able to get, however, the insurance company has made a blatant refusal to deal with claims. This makes Zhao very angry, buy insurance is not to get sick after the accident can supplement the economic resources, this refused to claim, does not mean that the 8000 premiums paid before, are meaningless!
02, case study
8000 yuan of premiums have been paid, in the critical need for money when the insurance company does not pay, reasonable? Perhaps in everyone's opinion, the insurance company at this time refused to pay, indeed inhumane, and can even be said to be "ruthless", then the truth in the end how, let's see what the insurance company said.
The insurance company believes that the coverage of critical illness insurance for stroke is the after-effects of stroke, that is, 180 days after the diagnosis of stroke, if there is one of the following three cases, in order to make a claim:
(1) complete loss of a limb or a limb limb or limb;
(2) complete loss of speech or the ability to chew and swallow;
(3) complete loss of independent living ability;
(3) complete loss of the ability to live, and the loss of the right of the person to live, and the loss of the ability of the person to live. p>(3) Complete loss of the ability to live independently, unable to perform three or more of the six basic activities of daily living.
And in this case, Li obviously did not meet the "stroke" situation claims standard, the insurance company will not claim.
With Li's case in mind, we can actually learn that in order for an insurance policy to really work, it's not enough to just buy it, but it's also very important to master its claims handling skills!
03, critical illness insurance 2 big claims skills, learn not to lose
(1) bear in mind the critical illness insurance claims standard
Many people always think that critical illness insurance as long as the diagnosis will be able to pay, in fact, this statement is wrong, critical illness insurance and other types of insurance is different, it has 3 different types of claims standard, specific can be seen in detail in a table I organized for you:
(2) ) Keep in mind the waiting period of critical illness insurance
Waiting period: refers to the time when the contract is in force, even if an insurance accident occurs, the beneficiary will not be able to enjoy the claim payment. The waiting period is set to prevent the behavior of some people who intentionally cheat insurance to get high compensation. In general, most waiting periods for critical illness insurance are 90 or 180 days, but for us, the shorter the waiting period time, the better of course.
Additionally, when you make a claim, you must look at the waiting period time of your product, whether it is 90 days or 180 days, and whether the time of the insurance is within the waiting period time, if it is not, you can make a claim without any problem, and if it is, the insurance company will not pay for it naturally.