Xinhua Insurance’s 2023 claims case: the “forgotten” 200,000 indemnity eases the burden of follow-up treatment
[ad_1]
Timely reporting is the key to insurance compensation.Mr. W from Suzhou City, Anhui Province suffered a sudden acute myocardial infarction. After recovering from the illness, he ignored the critical illness insurance he purchased more than ten years ago and did not report the case.Many months later, after reviewing the policy, the service staff of New China Insurance assisted Mr. W in reporting the case and helped him find the case.The “forgotten” 200,000 yuan claim settlementwhich eased the economic burden of follow-up treatment.
1. Case details
Mr. W from Suzhou City, Anhui Province has a strong awareness of risk prevention. As early as 2004, he bought a term life insurance with an insured amount of 150,000 from New China Insurance.“Additional 08 Term Critical Illness Insurance” with an insured amount of 200,000.
In mid-March 2022, Mr. W suddenly felt chest pain and discomfort, and then went to the local hospital, where he was diagnosed asacute anterior myocardial infarctionAfter he recovered and was discharged from the hospital, Mr. W continued to devote himself to his work considering that he did not have medical insurance for hospitalization expenses, nor did he call the report number.
One day at the end of 2022, after reviewing the policy, Ms. Z, an insurance policy clerk, called Mr. W to care about his health and living conditions. Mr. W talked about his illness in March, and Ms. Z compared the insurance liability clauses After confirming that the “Additional 08 Periodic Critical Illness Insurance” includes the insurance liability for acute myocardial infarction, he assisted Mr. W to call 95567 to report the claim and prepare the claim materials.
On January 6, 2023, the case was transferred to the review stage, and New China Insurance made the payment on the same dayCritical illness insurance 200,000 yuanThe claim settlement decision of , and Mr. Wthe dayClaims were received.
Mr. W and his family were shocked by New China Insurance’s efficient and fast claim settlement, and they were very satisfied with New China Insurance’s services.After receiving the claim payment, Mr. W said with emotion: “I didn’t expect to have a day of insurance. When I am in good health, it is really necessary to buy insurance in time. Thanks to Ms. Z, my policy service staff, who assisted me in reporting the case. let me knowThe importance of timely reportingshe helped me find this with professional serviceThe forgotten 200,000 yuan in claims, which eased the financial burden of follow-up treatment for me. “
2. Enlightenment from the case
After an insurance accident, many people may be in panic or sadness, but for the majority of insurance consumers,Report the case in timeIt is an integral part of claim settlement.
After an insured accident occurs, consumers should report the case to the insurance company in a timely manner.within 24 hoursNotify the insurance company. After reporting the case, the staff of the insurance company will make corresponding guidelines based on the actual situation of the insured after the accident.especially forCases involving accidental injurythe insured, policyholder or beneficiary should report the case in time. If the insured dies unexpectedly, thefirst timingReport the case to further verify the specific cause of the insured’s death. If the report is not reported in time, it may cause difficulties in identifying the insured event. If the insured event cannot be confirmed, it will also affect the conclusion of the claim.
Kind tips
report the crime
■After an insurance accident occurs, you can report to the police through the following channels:
1. Call 95567 to report the crime (recommended)
2. Contact the salesman around you
3. Log in to the official website of “New China Insurance” to self-report:
Go to New China Insurance official website:https://www.newchinalife.com/—Service Center—I want to report
【Note】
Key information for reporting:Policy number, ID number of the applicant or the insured, time, place, process, and result of the accident.
When seeing a doctor in a hospital, you must remind the doctor of your own insurance coverage, and the diagnosis and treatment items and drugs must comply with the relevant regulations of the local medical insurance policy.
Our company’s insurance terms have relevant qualification requirements for the hospitals you visit. For the specific list of approved hospitals, please refer to the official website of New China Insurance:www.newchinalife.com
Claims Service Guidelines
Is it necessary to report to the police after an insurance accident occurs?
Yes.After an insurance accident occurs, please be sure towithin 3 daysReport the crime.Death cases that have not been handled by public security organs or medical institutions need to bewithin 24 hoursReport the crime.
Reporting the case in time can enable New China Insurance to verify the accident as soon as possible, provide guidance services for claim settlement, and enable you to obtain claim settlement as soon as possible. If it is difficult to determine the accident due to failure to notify in time, New China Insurance may not be able to make a quick claim decision for you, which will affect your rights and interests.
[Note]”Insurance Law” No.Article 21 states:After the insurance applicant, the insured or the beneficiary becomes aware of the occurrence of the insured event, they shall promptly notify the insurer. If the nature, cause, and degree of loss of the insured accident are difficult to determine because of intentional or gross negligence, and the nature, cause, and degree of loss, etc., are not notified in time, the insurer shall not be liable for indemnification or payment of insurance benefits for the undetermined part, but the insurer has promptly Except for those who know or should know the occurrence of the insured accident in time.
[ad_2]
Source link