On insurance claims

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					On insurance claims
I, on the settlement of claims
Refers to the insurance claim after the accident, the insurance company under an
insurance contract and insurance law and other relevant laws and regulations (claims)
were the claims for review, and make timely claims decisions, the process of paying
compensation.
Second, claims Code
"To the insurance contract and insurance law-based, objective, fair and
impartial conduct claims audits.
"Compliance with laws, administrative regulations and industry integrity,
firmly anti- insurance fraud and other claims in violation of the community and the
public interest, protect the integrity of customer's insurance benefits.
"Good customer service, within a reasonable time to make quick and
accurate claims decisions.
Third, claims processes
"Unfortunately, the insured person insured event occurs.
"Please inform the claimant insurance agent or call our hotline to assist in
the claims process.
"Customer Service agents to assist in completing the claim form and
receive the relevant application documents.
"Agents will claim the company claims office application documents
submitted.
"Claims Department handled the case, for claims review.
"The claim file is complete, insurance accident insurance contracts in line
with the agreed terms of insurance, approved payment, inform the customer, the agent
to receive claims.
"The claim file is not complete, note an agent, custome r append relevant
documents before making a claim decision.
   Insured event does not meet the insurance contract or as a result of insurance
liability insurance contract did not accurately inform the result to be lifted, not Peifu
and inform the claimant in writing exclusions, termination reasons.
Fourth, how to handle claims
After the occurrence of insured event, to confirm whether insurance coverage, claims
the project submitted in accordance with the appropriate claims information.
Project information should be prepared
Accident clinic (AMR) 1, Claim Form 2, 3, original insurance policy, emergency,
outpatient medical records 4, 5 related to the original inspection report, the original
receipt for medical expenses out-6, other accidents to prove the original (see note)
Accident Hospital (AMR / HR / HI) 1, Claim Form 2, 3, original policy, emergency,
outpatient medical records 4, 5 related to the original inspection report, the original
receipts for medical expenses 6, 7, discharge summary, copy of ID 8, other accidents
accident that the original (see note)
Daily Hospitalization (HI) 1, Claim Form 2, 3, original insurance policy, emergency,
outpatient medical records 4, 5 related to the original inspection report, hospital
medical expenses the original receipt (if the unit of transfer, be issued by the hospital
name, hospital number, date of admission and discharge the contents of the certificate)
6, 7, discharge summary, copy of ID
Outpatient surgery (SB) 1, Claim Form 2, 3, original insurance policy, emergency,
outpatient medical records (including outpatient surgery records) 4, 5 related to the
original inspection report, the original receipt for medical expenses out-patient
Disease patient (HI / HR / SB) 1, Claim Form 2, 3, original insurance polic y,
emergency, outpatient medical records 4, 5 related to the original inspection report,
the original receipt for medical expenses 6, 7, discharge summary, copy of ID
Accident disability, burns (ADD) 1, Claim Form 2, 3, original insurance policy,
emergency, outpatient medical records 4, 5 related to the original inspection report,
the original receipt for medical expenses 6, maimed, burned the original certificate 7,
discharge summary (if the patient had ) 8, other accidents to prove the original (see
note) 9, the original household registration and ID card copy
Major diseases (CI) 1, Claim Form 2, 3, original insurance policy, emergency,
outpatient medical records 4, 5 related to the original inspection report, a
questionnaire six major diseases, the policy on the information requirements of
various major diseases 7, the original household registration and ID card copy
Accidental death of 1 Claim Form 2, 3, original insurance policy, emergency,
outpatient medical records (if it has visits) 4, related to the original test report (if it has
visits) 5, receipt for medical expenses if the original had visits) 6, discharge summary
(if has been hospitalized) 7, cremation of the original permit, the original medical
death certificate, after cancellation of the original household registration, ID 8, other
accidents to prove the original (see note)
Disease death 1, Claim Form 2, 3, original insurance policy, emergency, outpatient
medical records (if it has visits) 4, related to the original test report (if it has visits) 5,
receipt for medical expenses if the original had visits) 6, discharge summary (if has
been hospitalized) 7, cremation of the original permit, the original medical death
certificate, household registration after cancellation of the original, ID
Note: 1 case of traffic accidents, to provide traffic management report issued by the
department dealing with the original accident. 2, the case of work-related injuries,
accidents and disposal report must provide the original. 3, the case of disputes, to
provide public security authority of the original report.




5, how to receive reasonable compensation




Recipients credentials: a customer personally leading: to hold ID card, receive written
notification; 2, an agent: an agent license or ID card, (500 or more must have a
customer ID) original power of attorney on behalf of recipients, leading shall notify
the
Automatic transfer to pay: If you are insured or at any time during the contract period
had been handled in the POS automatically transfer, note that whether the insured and
the insured for the same person, (reasonable compensation be paid the insured). If not
(and the insured adult) should be completed <autopay authorization>
the "payment accounts payable" section, and submit copies of
the insured person's bankbook. Insured minor, management claims to enter
the insured accounts, can not complete this section.
6, how to properly complete the claim form
1 Claim Form is applicable to life insurance, accident insurance, health insurance,
travel insurance and other claims. General claim, please fill out the
"common Claim Form", a major claim please fill out the
"Claim Form is important." The applicant in completing the
application form, each of the columns should be detailed and complete, and required
clear writing.
2, fill in notes:
"Policy Number: need to be insured for all policies numbered application
form. Name of the insured should be the policy and statutory documents and other
consensus documents. ID, occupation, unit, address and completely.
"Non- insured claimant and the same person, it shall indicate the
relationship with the insured. AMR, HI / ICU, HR / SB, disability, critical illness
insurance payment the insured, the insured is the claimant. death benefit when the
insured dies, the beneficiary is the claimant. beneficiary is not designated as a
statutory beneficiary or beneficiary or beneficiaries before the insured person died, no
other beneficiary or beneficiaries shall benefit from the loss of beneficial interest or
give up Right, there are no other beneficiaries, the insured claimant heir. claimant
without civil capacity or with limited civil capacity, his legal representative for the
claimant.
"Application for Project: safeguards required by the insurance contract
items checked, specify the amount claimed. 申请 accident claims accident shows the
time, place, reason, details of the Jing Guo. If the accident by the relevant departments,
to name the departments concerned at the handling , address, phone, address date of
fill. such as by hospitals, please fill in the name of the hospital, diagnosis, doctor
consultation.
"If the Insured has other insurance companies insurance contract should
specify the name of the other insurance company, policy number, the date the insured,
the insurance amount.
"Authorization and Declaration section:
Claimant (beneficiary) more than one person, are required to sign. No civil capacity
or with limited capacity for civil conduct signed by their legal representative. Illiterate
or hand injuries or blind person, you can replace the right index finger fingerprints
and shall be two witnesses to the same time the company authorized signat ure; hand
amputees can replace the seal, also recognized the two witnesses in the company At
the same time signature.
(American International Assurance Company Limited Beijing Branch Sun Huaihua
reproduced authorized agent, contact 13391599200 or hf2114@sina.com)

				
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