Insurance compensation


Insurance Claims Insurance Claims (Insurance Claim) means that when the insured person within the responsibility of the goods subject to underwriting the risk of loss, the insured to the insurer claims. In international trade, such as insurance handled by the seller, the seller soon after the delivery of insurance policies endorsed to the buyer or its receiving agent, when the goods have arrived at the port of destination (to) and found defective, the buyer or its agent receiving As the legal assignee insurance policy should be local to the insurer or its agent for compensation. Chinese insurance companies to facilitate the arrival of China's exports of goods inspection promptly after the loss of foreign destinations, local compensation has been in more than 100 countries have established inspection or claims agency.
Insurance claims process to pay attention to matters:
1, was made
1. Timely report within the time stipulated in the articles and timely reporting.
2. Reporting methods reported visits, telephone (fax) report from clerk to convey a report.
3. Report content (1) Chuxian the time, place, reason (2) the insured person's current status (3) the insured's name, insurance insurance, coverage amount, coverage date (4) contact telephone number, contact address
Second, cases where the application insurance Necessary documents
1, the insurance contract;
2, insurance payment application form (beneficiaries who want to sign the application);
3, the insured person an accident injuries of the supporting documents;
4, the insured person's medical history and hospital outpatient and emergency certificates (including the discharge summary and all the costs of documents);
5, the insured person, beneficiary identification and proof of residence.
Third, cases of the conditions placed on file
1. Insurance accident has taken place
2. Accidents are an insurance policy on the insured person or policyholder
3. Life of the contract of insurance the insurance accident occurred
4. Claims for the "Insurance Law" within the limitation provisions of
4, case investigations
Life insurance claims claims investigation is an integral part of operations, but not a necessary life insurance claims process. For complete documentation, supporting documentation sufficient liability insurance may not investigate specific cases; for some Pei An, the case investigations must go through an important step.
5, the case review
1. Review the status of the policy through the claims computer system can accurately and timely to confirm the validity of the policy.
2. The insured and the coverage of the audit: the implementation of this step is to determine the scope of responsibility of the insurer and the company should bear the responsibility, help to protect the company from cheating and errors indemnity claims.
3. Claim information and the nature of the incident audit: the validity of the claim development, the legitimacy of the identification is conducive to the nature of the incident was identified and the company should bear the responsibility.
4. Determine the losses and insurance adjusters: follow the insurance policy to protect the interests of the contracting parties.
5. To determine insurance person carrying out their assigned pay medical expenses and disability insurance premiums paid by the insurance provisions shall be paid to the insured person himself, the company will not be accepted premium payments specified the death must be based on the insurance contract and the law provide for the payment to the proper carrying out their assigned people.
6, the case payment
The insurance companies for payment decision, notify Upon receiving the recipients of insurance money, the beneficiary received insurance money after the insurance receipt to sign the receipt to the insurance company after the reply.
Insurance Claims Procedure
1 placed on file for inspection
Chuxian insurer receiving notice, shall immediately dispatch personnel to conduct on-site inspection, to understand the situation and the reasons for the loss, checking insurance, registration placed on file.
2, review evidence and information
The insurer to the policyholder, the insured person or beneficiary to provide the relevant evidence and information audit to determine the validity of insurance contracts, insurance, time limit is expired, whether the loss of insurance of property, whether the claimant has the right to claim payment, accident were taking place, whether the scope of insurance coverage and so on.
3, the approved insurance liability
The insurer or the insured person received compensation to the beneficiaries or the payment of insurance requests, after examination of the facts and examination of the documents, he should promptly make their own insurance, whether it should assume the responsibility and bear much responsibility for approval, informed of the results will be approved by the insured person or beneficiary.