What should I pay attention to when making claims for critical illness insurance?

The first thing to pay attention to in the claim of critical illness insurance is to know whether it meets the payment conditions, because some critical illness insurance is not paid immediately after diagnosis.

Dad will share the claim knowledge with you: How much do you know about insurance claims?

I. Matters needing attention in critical illness insurance's claim settlement

1. Know your insurance.

Before making a claim, you should know the responsibility of the critical illness insurance you purchased, what diseases are covered by the critical illness insurance, whether your illness can be compensated, and if so, how much.

The payment conditions of critical illness insurance can be roughly divided into three types: claims after diagnosis, claims after surgery and claims after reaching a certain level.

2. Prepare relevant materials and obey the arrangement of the agent.

Listen to the arrangement of the agent or assist the adjuster to go through the relevant procedures, and don't go to the insurance company yourself. If you go to the insurance company alone, the process is cumbersome and the time is slow.

Don't panic when reviewing the investigation.

In the process of claims settlement by insurance companies, relevant audits and investigations will be conducted. This is a very normal situation. Don't panic at this time, just cooperate with the insurance company normally.

Second, the critical illness insurance claims process

1. Go to the hospital for diagnosis first.

It should be noted that some critical illness insurance requires you to reach an agreed state or perform an agreed operation before you can make a claim.

2. Apply for a claim from the insurance company.

If you find yourself suffering from a serious disease stipulated in the insurance contract, you can report it to the insurance company.

On the one hand, insurance companies can take necessary measures to prevent losses from expanding, on the other hand, they can investigate what happened in time and collect evidence.

3. Prepare to submit claim data.

In the process of audit, insurance companies often need the insured or the insured to provide sufficient proof materials, so after reporting the case to the insurance company, relevant claims materials should be prepared in advance.

4. Wait for the settlement result

After submitting the relevant claim information, the insurance company will conduct an audit to determine whether it meets the claim conditions. If you meet the claim conditions, the compensation will be credited to your account. In the meantime, you just need to wait for the claim result.

Third, summary.

Generally, people who want to buy insurance are most concerned about coverage and insurance claims. Buying critical illness insurance is no exception. Not only should we choose the protection that suits our actual situation best, but we should also make a forecast of the premium expenditure and the protection we get.

Hope to adopt ~

Source: Nanba Daily