Step 1: When the insured discovers that he may have a serious illness, he should go to the hospital designated by the insurance company for examination and consultation. When the insured seeks advice, the doctor will check and diagnose the physical condition of the insured. If the diagnosis result is that the insured has suffered from a serious illness, the doctor will issue a confirmation letter to the insured as an important basis for claiming compensation from the insurance company in the future. After the insurance company receives the critical illness insurance claim from the insured,
Step 2: If the insured is diagnosed with a serious illness, he should report it to the insurance company immediately. Before reporting, he must first confirm whether his serious illness is within the scope of the company contract. After receiving the report, the insurance company will start the corresponding claim settlement procedure and go to the hospital or the insured's home to investigate the situation.
Step 3: Apply for claims. When you formally apply for a claim, you should pay attention to bring all the information with you, which will not only save you time, but also facilitate the staff of the insurance company to review, so that the time for claim settlement will be shortened. If you don't bring all the information, it will definitely affect the speed of claim settlement next time. The materials that should be brought together are: the first kind of materials: the hospital's diagnosis certificate, the hospital's medical records, and the summary when leaving the hospital. For treatment in multiple medical institutions, it is necessary to provide diagnosis certificates from multiple hospitals. The second kind of information: hospitalization expense documents, hospitalization expense documents and detailed list of hospitalization expenses. The third kind of information: all kinds of pathological, laboratory, imaging and other inspection reports made by medical treatment are valid when they are stamped with the official seal of the hospital.
Step 4: Get compensation. When the claim information is complete, the insurance company will verify and pay for the items within the scope of the insurance contract according to the agreement.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.