Insurance Claims, Problems and Solutions
"Insurance is easy entry, but his claim hard", "It is the premium paid over two years, so do not claim expenses", or "Gee, I mo claim, but it is complicated, there is passed here." Maybe that's a small part that is your minds, so you do not want to take an insurance policy.
The claim is a right which is actually received by each customer insurance. And certainly Insurance Company will pay the claim, the liability of the customer are met. Let us consider the mechanism of Claim, to claim you must pay. And of course you are still antipathy / refuse insurance to be open-minded, so soon have the insurance policy.
The purpose of the claim is to provide benefits in accordance with the provisions of your policy. In order to be processed and paid claims, consider the various important provisions regarding the filing of claims.
Before you make a claim, make sure you have a benefit in accordance with that listed in your policy. Example: You only have life insurance only, so automatically if you file a claim hospitalization, certainly not the insurance company will pay the claim. So go back and check the insurance benefits you have taken, make sure you have insurance that will benefit you claim.
You should make sure also, that your policy is still in a state Inforce / valid / active. So for your policy is always in a state of Inforce, make sure you make payments / transactions on a regular basis (especially in the first two years, do not there is a hole).
Also, make sure your policy is not within the waiting period. That waiting period is the period of entry into force of your insurance protection. Examples: for protection of hospitalization due to illness, such as: diarrhea, dengue fever, urinary tract infections, typhoid, etc.. The waiting period is 30 days after the receipt of a customer with insurance. Remember also that the requirement for a claim usually must undergo hospitalization, can be at least 1 x 24 hours or 2 x 24 hours.
For you who use the card, immediately to the Phone Number listed on the card, so that process is faster, or immediately contact your insurance agent. It will definitely help him. Phone Number
If you've ever lapse policy, make sure when submitting a claim, your policy is not within the waiting period as well as having certain exceptions.
Also, make sure you ask not claim exemption contained in the Policy. Example: You've had kidney stone surgery, well when you apply a policy, you are told to medical. And the result is medicalnya not good, so for the pain because of kidney stones are not covered. So if you make a claim because of kidney stones, auto insurance companies will not pay.
Well, after the above provisions are met, the claim that you're proposing MUST FURNISHED with all requirements and required supplementary documents.
So before the claim is made, verify the criteria of claims to be filed or contact your agent to help him. After ensuring the above match, then immediately possible to make claims (claims submission), as it will expedite the claim process.
Following the General Claims Processing Stages:
1) Claim Form completed by the Insured / Participant / Policy Holder / Heirs (for death claims), to include a certificate from a doctor.
2) Insured / Participant / Policy Holder / Heirs peninjung documents submitted claims to insurance companies, such as: receipts, the medical record, laboratory results, police report (if claim for the accident), and other necessary documents.
3) Include the policy number and your account number with the right, and sign according to Claim signature is in the policy, include self-identity as well (FC KTP / SIM / Passport). So make sure you have included and Account Number Policy Number Policyholder a clear, complete and correct.
4) Insurance Company will perform the validation process and verification of a companion document to the Policy Holder / Insured / Heir and the doctor or hospital if necessary.
5) If the results of validation and verification by the insurance company is in conformity with the provisions, payment of claims will be processed by the claims.
6) insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Expert Waris.Value Of Trust
By looking at the provisions above, the claim is no longer a complicated issue, the claim is a simple problem. Insurance Company will pay your claim. So, make sure you have an insurance policy as a sign and love of family, wife, husband, and the fruit of your heart. And make sure you choose the Right INSURANCE AGENTS, in addition to the Right Company.
The claim is a right which is actually received by each customer insurance. And certainly Insurance Company will pay the claim, the liability of the customer are met. Let us consider the mechanism of Claim, to claim you must pay. And of course you are still antipathy / refuse insurance to be open-minded, so soon have the insurance policy.
The purpose of the claim is to provide benefits in accordance with the provisions of your policy. In order to be processed and paid claims, consider the various important provisions regarding the filing of claims.
Before you make a claim, make sure you have a benefit in accordance with that listed in your policy. Example: You only have life insurance only, so automatically if you file a claim hospitalization, certainly not the insurance company will pay the claim. So go back and check the insurance benefits you have taken, make sure you have insurance that will benefit you claim.
You should make sure also, that your policy is still in a state Inforce / valid / active. So for your policy is always in a state of Inforce, make sure you make payments / transactions on a regular basis (especially in the first two years, do not there is a hole).
Also, make sure your policy is not within the waiting period. That waiting period is the period of entry into force of your insurance protection. Examples: for protection of hospitalization due to illness, such as: diarrhea, dengue fever, urinary tract infections, typhoid, etc.. The waiting period is 30 days after the receipt of a customer with insurance. Remember also that the requirement for a claim usually must undergo hospitalization, can be at least 1 x 24 hours or 2 x 24 hours.
For you who use the card, immediately to the Phone Number listed on the card, so that process is faster, or immediately contact your insurance agent. It will definitely help him. Phone Number
If you've ever lapse policy, make sure when submitting a claim, your policy is not within the waiting period as well as having certain exceptions.
Also, make sure you ask not claim exemption contained in the Policy. Example: You've had kidney stone surgery, well when you apply a policy, you are told to medical. And the result is medicalnya not good, so for the pain because of kidney stones are not covered. So if you make a claim because of kidney stones, auto insurance companies will not pay.
Well, after the above provisions are met, the claim that you're proposing MUST FURNISHED with all requirements and required supplementary documents.
So before the claim is made, verify the criteria of claims to be filed or contact your agent to help him. After ensuring the above match, then immediately possible to make claims (claims submission), as it will expedite the claim process.
Following the General Claims Processing Stages:
1) Claim Form completed by the Insured / Participant / Policy Holder / Heirs (for death claims), to include a certificate from a doctor.
2) Insured / Participant / Policy Holder / Heirs peninjung documents submitted claims to insurance companies, such as: receipts, the medical record, laboratory results, police report (if claim for the accident), and other necessary documents.
3) Include the policy number and your account number with the right, and sign according to Claim signature is in the policy, include self-identity as well (FC KTP / SIM / Passport). So make sure you have included and Account Number Policy Number Policyholder a clear, complete and correct.
4) Insurance Company will perform the validation process and verification of a companion document to the Policy Holder / Insured / Heir and the doctor or hospital if necessary.
5) If the results of validation and verification by the insurance company is in conformity with the provisions, payment of claims will be processed by the claims.
6) insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Expert Waris.Value Of Trust
By looking at the provisions above, the claim is no longer a complicated issue, the claim is a simple problem. Insurance Company will pay your claim. So, make sure you have an insurance policy as a sign and love of family, wife, husband, and the fruit of your heart. And make sure you choose the Right INSURANCE AGENTS, in addition to the Right Company.
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