How to settle claims after buying two insurances depends on the actual situation. Insurance is divided into payment insurance (critical illness insurance, etc.). ) and reimbursement insurance (medical insurance, etc. ). Then, take critical illness insurance and medical insurance as examples. If you buy medical insurance from two insurance companies respectively, because they are both reimbursement products, after being reimbursed by medical insurance A, medical insurance B can only reimburse the expenses that have not been reimbursed by medical insurance A, that is, the total reimbursement expenses of the two medical insurances will not exceed the actual medical expenses incurred by the insured.

If you buy critical illness insurance from two insurance companies respectively, you can make repeated claims as long as you meet the claims conditions of two critical illness insurances at the same time. For example, critical illness insurance A has a coverage of 200,000 and critical illness insurance B has a coverage of 300,000, so a * * * can claim 500,000;

If you buy critical illness insurance in one insurance company and medical insurance in another insurance company, as long as you meet the requirements of critical illness insurance claims, you can bring relevant information to the insurance company that bought critical illness insurance and apply for compensation after reimbursement with a medical insurance.

Editing and broadcasting of claim procedure

1, initiate an investigation

Insurance claim audit

Insurance claim audit

After receiving the notice of danger, the insurer shall immediately send someone to conduct on-site investigation, understand the situation and reasons of the loss, check the insurance policy and register for the record.

2, audit certificates and materials

The insurer examines the relevant certificates and materials provided by the applicant, the insured or the beneficiary to determine whether the insurance contract is valid, whether the insurance period expires, whether the loss belongs to the insured property, whether the claimant has the right to claim compensation, and whether the place where the accident occurred is within the scope of insurance liability.

3, approved insurance liability

After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall, after checking the facts and reviewing various documents, verify in time whether it should bear the insurance liability and how much insurance liability it should bear, and notify the insured or beneficiary of the verification result.

4. Fulfill the obligation of compensation

On the basis of verifying the liability, the insurer shall perform the obligation of compensation or payment of insurance benefits within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the amount of insurance and the time limit for compensation or payment, the insurer shall perform the obligation of compensation or payment of insurance benefits in accordance with the insurance contract.