I've often talked to you before about product reviews, insurance tips, and general insurance knowledge, and I haven't really talked much about certain claims made by insurance companies.

Today, I'm going to talk to you about it.

Following the usual practice, before explaining, you should know some insurance trivia:

"Super Full!

What is the situation with insurance companies that are slow to settle claims?

Broadly speaking, the claim is not fast, there are these factors:

1, the waiting period just after the insurance

Just after the waiting period, to submit claims, and at this time the insurance company will think that you are fraudulent insurance.

After all, there are a lot of insured people who want to be insured successfully, against the health information session, has begun to conceal the medical history.

Thus in order to understand the most realistic situation, the insurance company will be from the medical examination institutions, hospitals and other places to obtain evidence to investigate, until finally determined that it is not with the disease of the insurance company will not be given to the claim.

It takes time to investigate, which reduces the speed of claims.

2, the claim amount is too high

Assuming that it is a few thousand dollars or tens of thousands of claims, the insurance company is generally faster to review, basically very quickly to the account.

But if it reaches millions of dollars, the insurance company will have to investigate in detail in order to rule out suspicion of fraud.

Because after purchasing a high amount of insurance, it is not unheard of for people to choose to cheat on their insurance policies. A while back, chopping off the toes so as to cheat on their insurance policies and being sentenced to jail on the news belongs to an excellent example,

3, the complexity of the case of the settlement of the claims

The insurance industry has also experienced many years of development. The insurance industry has been through many years, I have seen a lot of claims cases are controversial, such as "buy a million amount of accident insurance, just after the waiting period on the accidental death", "brother for the younger brother became a plant to apply for insurance claims, up to a million amount of claims have just been issued, the older brother to buy a luxury car" and so on.

Assuming it is a particularly simple case, insurance companies usually don't spend a lot of time and effort investigating, and have the ability to settle claims very quickly.

Assuming that a more controversial case is encountered, the insurance company will do a very careful investigation, and if it is a more complicated case, then the police will need to assist in resolving it, and the speed of claim settlement will definitely slow down.

If the situation is one of the above reasons, the insurance company is justifiably slow in settling the claim.

But still the situation meets the requirements of the claim, the insurance company refused to pay or deliberately delayed the payment of how to deal with it? You can refer to the following methods:

"What is the correct posture of the insurance claims and fast and good?

Two, by the insurance company refused to claim or claim time limit is too slow should do?

Usually speaking, if the insured's situation meets the product's claim criteria, the insurance company's claim settlement speed is generally very fast.

But if an insurer encounters a difficult claim, like the ones we've mentioned above, the insurer's review will be more thorough, and the claim will be processed more slowly.

If an insurance company refuses to pay a claim or deliberately delays a claim, don't be afraid to file a complaint to protect your interests as a consumer.

There are several ways to file a complaint:

1, communicate with the insurance company

In the case of the insurance company's intentional delay in the settlement of the claim, the first thing you should try to do is to communicate with the insurance company, presumably because it has forgotten to notify the insurance company in time.

2, call 12378 to complain

If the problem is still not solved after communicating with the insurance company, then you can file a complaint by further calling the Insurance Consumer Complaints Hotline 12378, and you can also file a complaint on the official website of the CBI.

If the situation is true and reasonable, the CBIRC will issue a warning to the insurance company and the relevant responsible personnel, and if the situation is serious, the CBIRC will even set a date for the insurance company to talk.

If you can't solve the problem by relying on these two methods, you can file a lawsuit with the court, but it will cost you a lot of money and time,

In fact, this kind of problem can be dodged at the root: buy an insurance policy and try to choose an insurance company that has a strong claim settlement ability and a good reputation, and we can take a look at the same side of the global life.

Tongfang Global Life is an insurance company formed by the Dutch Global Life Insurance Group and Tongfang Co. with a 50% capital contribution from each party. As for its solvency, it can be seen from the fact that it can further develop the Internet life insurance business after the promulgation of the new Internet life insurance policy (some netroots insurance companies do not have the qualification any more).

The detailed assessment of the insurance company is as follows:

"How is Tongfang Global Life, what are the products, which one is good, and what are the pit suites, in-depth analysis"

Briefly, we will talk about Tongfang Global Life's claims performance in 2022:

In the whole year of 2022, Tongfang Global Life provided claims service for 17,754 customers, and the amount of claims paid out was 510 million yuan, with a claim recovery rate of 98.7%

And in Tongfang Global Life, the insured can also get the "Tong Easy Claim" claims service, which achieves the goal of first claim for critical illnesses. The service is designed to achieve the purpose of first claim for serious illnesses, quick claim for small amount, and direct connection with hospitals.

From the time the user starts to apply for a critical illness claim, Tongfang Global Life can provide a person to visit the home, a person to assist in the claim, and a green channel service for the claim, helping the user to solve the problem of difficult access to the hospital. For small claims, the time limit has been improved, with an average time limit of 10 seconds, and the fastest time limit of 6 seconds, from the start of the claim application to the arrival of the claim.

Tongfang Global Life's direct hospital connection is the result of the use of medical big data resources, which enables the company to interconnect with more than 120 tertiary hospitals across the country, so that users don't have to submit medical records, invoices, lists and other information to apply for, and then they can quickly complete their claims.

It can be boldly said that Tongfang Global Life has done a very good job in terms of claims service, which is the main reason why schoolmates recommend it to everyone.

Written in the end

I'm Scholar Says Insurance, focusing on objective, professional and neutral insurance assessment;

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