Learn the full strategy of insurance claims
Student insurance is an insurance product specially designed for minors, which mainly protects students from the risks of death, disability, burns, medical expenses and other accidents caused by accidental injuries and illnesses while they are in school. With a wide range of coverage and low premiums, Xueping Insurance is one of the preferred products for parents to purchase insurance for their children.
However, the claims process is more complicated, and if parents do not understand the claim process, they may encounter some troubles when making a claim. Therefore, when purchasing school insurance for their children, parents must understand the claim process of school insurance so that they can make timely claims in the event of an insurance accident.
Learn the insurance claim process
The claim process mainly includes the following steps:
1.Report the crime
After the insured has an insured accident, he or she should report the accident to the insurance company in a timely manner. The way to report the accident can be to call the insurance company's customer service**, contact the insurer**, or go to the insurance company's business outlets.
2.Prepare claim materials
The claim materials that need to be provided for different claims may be different, and the following materials are generally required:
ID card and household registration book of the insured.
Insurance contract. Proof of insured accident (e.g. accident certificate, death certificate, cremation certificate, or disability appraisal report).
Proof of medical expenses (e.g., outpatient medical records, discharge records, inpatient invoices).
3.Submit claim materials
The insured should submit the prepared claim materials to the insurance company after being discharged from the hospital. If the insurance company does not have a local branch, you can submit the claim materials through the insurance company's branch or by mail.
4.Wait for review
After receiving the claim materials, the insurance company will review the claim application. During the review process, the insurance company may investigate the insured or request other supplementary materials.
5.Claim closed
If the claim application is approved, the insurance company will settle the claim according to the insurance contract. The claim amount will be credited to the bank account designated by the insured or beneficiary, and the insurance company will send a claim notice to inform you of the claim result.
Precautions for learning insurance claims
In the process of learning insurance claims, the insured should pay attention to the following points:
Report the case in a timely manner. After the occurrence of an insured accident, it is necessary to report the case to the insurance company in a timely manner so that the insurance company can start the claim procedure in time.
Provide complete and accurate claim materials.
Claim materials are an important basis for claims, so it is important to provide complete and accurate claim materials and ensure the authenticity of the materials.
Cooperate with the insurance company's investigations.
The insurance company may investigate the insured during the claim process, and the insured should actively cooperate with the insurance company's investigation.
Tell the insurance company about it.
During the claim process, the insured shall truthfully inform the insurance company of the relevant information and shall not conceal or mislead the insurance company.
Frequently Asked Questions about Student Insurance Claims
Q: How long does it take for the insurance claim to arrive?
A: The time taken to settle a claim depends on the insurance company's claim process and review speed. Generally speaking, the time for a claim settlement is about 10-30 working days.
Q: Do I need to charge a handling fee for the settlement of Xueping Insurance?
A: At present, most of the insurance products do not charge a handling fee for claims. However, there are also some insurance products that will charge a certain percentage of the handling fee, please consult the insurance company for details.
Q: Do I need to handle the claim in person?
A: Generally speaking, Xueping insurance claims can be entrusted to others. However, if the claim involves important documents such as the insured's ID card and household registration booklet, the insured needs to be present to handle the claim.
Conclusion
When parents buy school insurance for their children, they must understand the claim process and precautions of school insurance, so that they can make timely claims in the event of an insurance accident and protect the interests of their children.