Insurance claim details:
The first step: report the case in time after the disease is diagnosed.
Many diseases may take a long time from symptom discovery to final diagnosis. If you are unfortunately diagnosed as a disease, you should check the policy and terms in time to confirm whether it meets the definition of claim for the disease, and call the insurance company to report the case.
There are 25 kinds of serious diseases with high incidence, and insurance industry associations have a unified definition, so there is no difference in claims, such as cancer, and there will be no situation where one can compensate and the other can't. However, if it is mild, there will be some differences in terms and definitions of different companies, and there will inevitably be differences in claims. To analyze the specific situation, we can't say that a company's claims are not strict.
Step 2: Wait for the insurance company to contact.
Generally, after the report is made, on the same day or 1~3 working days, the insurance company will have a special person to contact the insured by telephone to communicate and answer questions on specific details, provide guidance on claims settlement and assist in claims settlement.
Step 3: Collect the submitted materials.
According to the requirements of insurance companies, truthfully provide claims information, generally including:
(1) Valid identity certificate of the insured and claim settlement application.
(2) disease diagnosis certificate and related pathological, laboratory, imaging, electrocardiogram and other inspection reports.
(3) Other relevant information that can confirm the nature, cause and degree of injury of the insured accident.
If more than one company is insured, you can prepare multiple claims and make a backup for subsequent claims. You can also apply for a claim, ask the insurance company to send back the claim information, or consult the insurance company.
Step 4: Receive the claim.
After receiving the insurance claim notice, it will generally arrive in a few days, and the arrival time of different companies is different.