1, report:
First of all, when you see a doctor in a second-class or above public hospital, you should draw a conclusion about what kind of serious illness it is, because the "diagnosis certificate" issued by the hospital is an important basis for the claim settlement of critical illness insurance.
Secondly, determine whether the diagnosed disease is within the scope of contract protection, find out the insurance policy and find the corresponding disease name.
Finally, report to the insurance company. General critical illness insurance clauses require the insurer to notify the insurance company within 10 days or within the prescribed time limit from the date of the insured accident.
2. Submit application materials:
Submitting information to the insurance company that can prove that you have a serious illness simply includes two parts: personal information and claim information.
3. Claim review and payment:
After receiving the application for insurance payment and the information agreed in the contract, the insurance company shall review the information provided by the applicant, the insured or the beneficiary to confirm whether the policy is valid and meets the guarantee responsibility.
More details are in this article. Click on the link below, and you can have a look:
What are the correct postures for quick and good insurance claims? No compensation!
In addition, in many cases of serious illness claims, compensation will be refused because of a little detail, leaving everyone with a bad impression that insurance claims are difficult. In fact, many times it is because people don't understand the terminology and ignore the product details. If you don't know much about insurance clauses, you can read this popular science article: Before buying insurance, you must first understand these key knowledge points!
As more and more insurance companies combine the Internet with insurance claims, claims become more and more convenient. At present, many insurance companies support online claims. Online claim settlement eliminates the step of reporting by phone, and it can be completed only by WeChat or App&. The submission of materials has greatly accelerated the progress of claim settlement.
Therefore, it is not difficult to make claims for critical illness insurance, and large and small companies should make claims according to the contract.
If you are worried that online insurance will not be settled, you can read this article: Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance?
Hope to adopt!
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