“The power of insurance protects a better life”? Sunshine Life Insurance Tianjin Branch’s claims settlement service warms people’s hearts
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On an ordinary day in April this year, Ms. W prepared the ingredients for hot pot early and waited expectantly for her sister’s arrival.
Accidents always come very suddenly. What was supposed to be a warm sisters’ dinner gathering turned into a disaster unexpectedly. While the two sisters were chatting and eating happily, the alcohol stove used for shabu-shabu suddenly exploded, and flames suddenly shot out in the direction of Ms. W, causing Ms. W to be burned. In panic, the sister put out the fire and quickly called 120.
Since Ms. W’s husband has been doing business abroad for a long time, and due to the impact of the epidemic, the business has been at a loss. In addition, the parents-in-law are old at home, and the family’s daily expenses are mainly supported by Ms. W, who is engaged in the beauty industry.
After the accident, the responsibility for taking care of Ms. W fell mainly on her sister and her mother. Because of the serious burns, the doctor asked me to pay a deposit of 50,000 yuan on the day of the accident. Because I knew my sister’s family’s financial situation, my sister helped pay the deposit. However, only after entering the hospital can you realize that money is like running water. When the doctor asked her to pay the bill again, my sister was in a dilemma. She happened to encounter the policy service personnel who came to visit her. Only then did I learn that my sister had purchased the “Ronghe Family Edition” medical insurance from Sunshine Insurance Life for herself, and that this medical insurance also provided the service of advancing medical expenses during hospitalization. After learning about the situation, the agent immediately applied to the company for advance payment. On the same day, the advance payment company went to the hospital for verification and made the first advance payment, which effectively solved the family’s urgent need.
Because the area of third-degree burns on the face, trunk and limbs can reach up to 45% (the area of third-degree burns reaches 20% or more of the whole body surface area, it can meet the criteria of serious illness), Ms. W underwent multiple skin grafting surgeries during her hospitalization. Advance payments were made three times, totaling 200,000 yuan.
The “Ronghe Family Edition” medical insurance advance payment service is an additional service launched by Sunshine Life in 2020. If necessary, customers can apply for advance payment during hospitalization, and the company will coordinate and handle it as soon as possible. The launch of this service breaks the barrier that traditional medical insurance can only reimburse medical expenses after discharge settlement, and provides the most timely and warm services to customers who are under financial pressure during hospitalization.
After Ms. W was discharged from the hospital, the claims adjuster of Sunshine Life Insurance Tianjin Branch took the initiative to contact the advance payment company and actively assisted in applying for claims. After verification, Ms. W’s hospitalization cost a total of nearly 640,000 yuan, and the social security online settlement reimbursement during the hospitalization was about 360,000 yuan. Family Edition》Medical insurance advance payment of 200,000 yuan. With the rapid coordination of the head office and branches, the review of the compensation case of more than 310,000 yuan was completed in 5 days. After the case was closed, the branch’s claims staff immediately urged the company to advance the remaining more than 110,000 yuan (80,000 yuan for medical expenses, The difference between the intensive care unit hospitalization allowance of RMB 25,000 and the critical illness hospitalization allowance of RMB 8,000) will be paid to Ms. W. The “Ronghe Family Edition” guarantee will continue to be effective, and Ms. W does not need to worry about subsequent treatment costs.
Ms. W’s mother told the service staff, “Without this insurance, the cost of hospitalization would have depleted the family’s savings, not to mention the follow-up treatment. I didn’t expect the insurance to be so good.” It was precisely because of this. Son, my mother, who usually splits a penny in half, plans to renew her social security that has been terminated, because she realizes that it is impossible to live without insurance.
The service staff did not talk too much about the love and responsibility of insurance to my mother, but this accident made the nearly 70-year-old woman realize the meaning and function of insurance. Insurance can protect the family wealth for many years, and insurance can provide the whole family with immediate benefits. Life is not changed, this is the power of insurance.
It is the responsibility of insurance practitioners to let people have a correct understanding of insurance, it is the obligation of insurance practitioners to teach the people to avoid risks, and it is the responsibility of insurance practitioners to allocate reasonable insurance protection plans to people of different ages, industries, and needs. Responsibilities. I believe that through the joint efforts of colleagues in the insurance industry, more people will understand the love and responsibility of insurance, rather than through the painful experiences of friends and relatives around them.
The power of insurance makes life better!
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