Is the insurance company's claim reliable? Do you have any suggestions if you refuse to pay?

Insurance claims are not difficult. The Insurance Law stipulates that the insured or beneficiary shall give final approval within 5 working days after making a request for compensation or payment of insurance benefits to the insurance company. If the situation is complicated, it needs to be inspected for 30 days, unless otherwise agreed in the contract.

Equivalent, once out of danger, you can do two things, one is to report the case in time, and the other is to submit the information completely, so it won't take too long for the insured to get the claim.

First, how to deal with the insurance company's delayed claims?

1. Understand the reasons for not paying claims.

If you find that there is no claim for insurance, you should know the reasons in time. There are many reasons for not settling accounts in time, including the integrity of settlement information.

If the claim materials are incomplete, the insurance company will ask the insured to replenish the claim materials, which is essentially to let the insured know the list of supplementary materials by phone or SMS.

If you receive a phone call or text message, you should supplement the claim materials in time according to the notified list.

So, what are the standing materials for insurance claims? Friends who don't know much continue to look down:

What are the general claims materials? Details determine the success or failure of claims! 》

2. Contact the insurance company or protect your rights and interests through legal channels.

If your information is submitted completely, but you haven't received the insurance money for settlement, it needs the insured to know whether the insured is within the scope of payment and whether it is within the scope of payment conditions. In this case, the insured can directly call the customer service telephone number of the China Insurance Regulatory Commission 12378 to complain, or bring a lawsuit directly to the court. At this time, the insurance company should be responsible for the payment.

If the insured has a mistake in understanding the insurance clauses, and the insurance is not covered by the insurance company, then he cannot enjoy the claim.

But if it is the insurance company's own problem, it is unreasonable.

What indicators should I know about the insurance company when I apply for insurance? Senior sister shared a good insurance company with you, so let's have a look ~

Second, are there any reliable insurance companies that can settle claims quickly?

Just mentioned the insurance company with fast claims settlement and high credibility, senior sister told you about Tongfang Global Life.

1. Background of Tongfang Global Life

There are many people who buy insurance now. I don't know if the insurance company is reliable, so I won't buy it. Since everyone has to figure it out, the seniors must be satisfied!

Let's take a look at the ownership structure of Tongfang Global Life Insurance Company:

From the equity structure chart of Tongfang Global Life Insurance Company, we can know that the shareholding ratio of foreign companies is 50%, so don't underestimate foreign ownership ~

After all, the risk management system covered by foreign-controlled insurance companies is more stable. Simply put, foreign investors must always prepare sufficient funds to deal with all kinds of claims that may occur in the future.

Want to know more about Tongfang Global Life, please poke here:

How about Tongfang Global Life Insurance? What products are there, what are good, and what are the pits? In-depth analysis.

2. Claims service of Tongfang Global Life

The attitude of foreign companies is that there should be no legal disputes!

Therefore, some claims disputes that we are prone to encounter basically do not exist in foreign companies, because their attitude towards claims is firm and decisive.

Therefore, the products of foreign companies have satisfactory odds, which is very important for consumers!

The claim data of Tongfang Global Life Insurance Company 202 1 are as follows:

In 20021year, Tongfang Global Life Insurance Company provided claims service for 14586 customers, with a year-on-year increase of17.4%; The amount of compensation reached 487 million yuan, an increase of 44.0% over the same period last year.

202 1 the time limit for applying for payment is still relatively short, only 1.29 days, which is 0. 17 days faster than the same period last year. Online claims accounted for 92. 1%, up 3 1.6% year-on-year.

So Tongfang Global Life Insurance Company is really considering the problem for everyone ~

3. Solvency of Tongfang Global Life

Solvency is an important index to evaluate insurance companies. Whether an insurance company can compensate the insured amount agreed in the contract depends on its solvency.

What is the solvency of Tongfang Global Life?

According to the official data of Tongfang Global Life in the third quarter of 20021,its core solvency adequacy ratio is not less than 22 1%, which is 50% higher than that of CBRC. The comprehensive solvency adequacy ratio is 240%, which also exceeds the standard of 100%.

It can be seen that Tongfang Global Life still has a high guarantee, and at present it has enough ability to make claims on consumers' policies, which is awesome!

Since Tongfang Global Life is so outstanding, what is the cost performance of its insurance products? Just read its Versailles Plus critical illness insurance:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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