If the insured dies and the beneficiary doesn't know, will the insurance company take the initiative to settle the claim?

If the insured dies and the beneficiary doesn't know, will the insurance company take the initiative to settle the claim? I can tell you clearly that the insurance company will not take the initiative to settle claims. Then why doesn't the insurance company pay for it?

1. Insurance companies never take the initiative to settle claims unless they report the case. Applying for compensation has always been the right of the beneficiary, not the obligation of the insurance company. Moreover, the time limit for the insured or beneficiary to report the case is 5 years for life insurance and 2 years for other types of insurance, and the insurance company can refuse to pay compensation if it exceeds the time limit.

The insured can buy insurance without telling anyone or writing an emergency contact. Once the insured dies, the insurance will be cut off, causing the insurance company to demand payment.

Reminders are usually made by SMS or telephone. If you still can't get in touch, contact the emergency contact person, or the insurance broker will send the renewal notice by surface mail according to the regulations of the insurance company. If relatives and friends find this renewal notice within the reporting period and apply for reinstatement, the policy will return to normal.

Some netizens commented that there are two kinds of domestic insurance companies that don't pay compensation: "this one doesn't pay compensation" and "that one doesn't pay compensation". In their eyes, as long as they buy an insurance policy of 180 yuan, the insurance company will lose money anyway, otherwise it will be a liar.

These netizens should calm down and learn some insurance common sense. As for "this doesn't pay" and "that doesn't pay", they don't exist. Auto insurance is a rigid demand. Everyone has been insured, and most of them have lost. It is difficult to settle claims in individual cases because of insurance companies and customers, but relatively speaking, it is also a minority.

Although insurance is not as perfect as we hope, there will always be shortcomings now and in the future, but when an accident or illness happens, insurance is the most realistic and scientific tool to help us out of the predicament.

Let's say more, don't think that buying insurance is enough. We must do several things well:

1. The emergency contact person in the insurance contract must be written, including relatives, friends, insured or beneficiaries. You don't tell any of them even after you buy insurance. If you want to do a good thing, at least let it be done. The insured or beneficiary did not know the existence of the policy, and eventually failed to report it. What's the use of buying this policy?

2. Put the contact number of the emergency contact of family or friends or the contact number of the insurance broker in your wallet or pocket. I also wrote your name, blood type, date of birth and allergic drugs.

In fact, many stories of timely rescue are unknown, but some guesses will be accepted. It's really unfair to insurance companies. If you are worried about a similar situation, you'd better plan before you die. It's not a bad thing to buy insurance and tell your family. Nobody wants to have an accident, but we must always be on guard, don't you think?