Legal basis: Article 22 of the Insurance Law of People's Republic of China (PRC), when the insured, the insured or the beneficiary requests compensation or payment of insurance money from the insurer, they shall provide the insurer with the certificates and materials that they can provide to confirm the nature, causes and loss degree of the insured accident. In accordance with the provisions of the insurance contract, the insurer shall notify the applicant, the insured or the beneficiary to supplement the relevant certificates and materials if it considers that the relevant certificates and materials are incomplete. The insurer shall, after receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, promptly verify that it belongs to the insurance liability, and 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 provisions of the insurance contract.