Today, Senior Sister tells you something.
Follow the convention. Before explaining, let's learn some insurance tips:
"Super complete! Everything you want to know about insurance is here.
1. What's the matter with the insurance company's slow claim?
Generally speaking, there are several factors that will lead to slow claims:
1, just after the waiting period.
Just after the waiting period, submit the claim materials. At this time, the insurance company will think that you are cheating.
After all, many insured people want to be insured successfully, and they have already begun to conceal their medical history for the health notification link.
Therefore, in order to understand the most practical situation, insurance companies will go to medical institutions, hospitals and other places to collect evidence, and will not give claims until it is finally determined that they are not insured with illness.
Verification takes time, which also slows down the speed of claim settlement.
2. The claim amount is too high.
Assuming that it is thousands or tens of thousands of claims, the insurance company will generally review it quickly, and it will basically arrive soon.
However, if the insured amount reaches several million, the insurance company will make a detailed investigation to eliminate the suspicion of fraudulent insurance.
Because after buying high insurance, people who choose to cheat insurance are not without it. A while ago, the news that he was sentenced for cutting off his toe to defraud insurance is an excellent example.
3. The claim is very complicated.
I have been engaged in the insurance industry for many years, and my senior sister has seen many controversial claims cases, such as "I bought an accident insurance with a coverage of10 million, and died unexpectedly just after the waiting period", "My younger brother applied for insurance claims for my younger brother who became a vegetable, and my younger brother bought a luxury car just after the million claims came out" and so on.
Suppose it is a particularly simple case, usually insurance companies will not spend a lot of time and energy to investigate, and their claims are very fast.
Suppose there is a controversial case, and the insurance company will make a very careful investigation. If it is a complicated case, then the police need to help solve it, and the speed of claim settlement will definitely slow down.
If the accident situation is the above reason, it is understandable that the insurance company is slow to settle claims.
However, the situation still meets the claim requirements. What should the insurance company do if it refuses to pay or deliberately delays payment? You can refer to the following methods:
What are the correct postures for quick and good insurance claims? No compensation! 》
2. What if the insurance company refuses to pay compensation or claims are too slow?
Generally speaking, if the insured's situation meets the product claim standard, the insurance company's claim speed is generally very fast.
However, suppose that the insurance company encounters difficulties in making claims, as we said above, the insurance company will be more careful in the audit and the speed of making claims will be slower.
Don't be afraid if the insurance company refuses to pay compensation or deliberately delays this kind of thing. As consumers, we can safeguard our own interests through complaints.
There are several ways to complain:
1, communicate with the insurance company.
When the insurance company deliberately delays the settlement of claims, it should first try to communicate with the insurance company, perhaps because the insurance company forgot to inform it in time.
2. Call 12378 to complain.
If the problem can't be solved after communication with the insurance company, you can further call the insurance consumer complaint hotline 12378 to make a complaint, or you can make a complaint in official website and CBRC.
If the situation is true and reasonable, China Banking Regulatory Commission will give a warning to the insurance company and relevant responsible personnel. If the circumstances are serious, the CBRC will even talk to the insurance company on the agreed date.
If these two methods can't solve the problem, you can bring a lawsuit to the court, but it will definitely cost a lot of money and time.
In fact, this problem can be avoided from the root: when buying insurance, try to choose an insurance company with strong claims settlement ability and good reputation. You can look at Tongfang Global Life.
Tongfang Universal Life Insurance is an insurance company established by Dutch Universal Life Insurance Group and Tongfang Co., Ltd. with 50% capital contribution respectively. As for its solvency, it can be seen that it can further develop its Internet life insurance business after the promulgation of the new Internet life insurance policy (some online celebrity insurance companies have lost this qualification).
Our detailed assessment is as follows:
How about Tongfang Global Life Insurance? What products are there, what are good, and what are the pits? In-depth analysis.
Briefly talk about the proposition of Tongfang Global Life in 2022:
In 2022, Tongfang Global Life provided claims service for 17754 customers, and reached a claim amount of 51000000 yuan, with a claim odds of 98.7%.
Moreover, in Tongfang Global Life Insurance, the insured can also get the "same easy compensation" claim service, which realizes the purpose of paying for serious illness first, paying for small amount quickly and connecting hospitals directly.
From the time users apply for serious illness claims, Tongfang Global Life can provide home condolences, personal assistance in claims settlement and green channel services to help users solve intractable diseases. However, the restrictions on small claims have been improved. From the beginning of claim application to the arrival of claim, the average aging time is 10 second, and the fastest time is only 6 seconds.
Hospital direct connection means that Tongfang Global Life can communicate with more than 20 3A hospitals nationwide/KLOC-0 by using medical big data resources, and users can quickly complete claims without submitting medical records, invoices, lists and other information applications.
It can be boldly said that Tongfang Global Life has done a very good job in claims service, which is also the main reason why Senior Sister recommended it to you.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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