What if the insurance company doesn't pay the claim? What if I don't pay the claim?

It is not difficult to make an insurance claim. The Insurance Law stipulates that the insured or beneficiary shall give final approval within 5 working days after making a claim for compensation or payment of insurance money to the insurance company. If the situation is complicated, it needs to be inspected on the 30th, 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 be too long for the insured to get the claim.

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

1. Understand the reasons for not filing a claim.

If you find that the insurance has not been settled, you should know the reason 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 quite understand will continue to look down:

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

2. Contact insurance companies or protect their rights and interests through legal channels.

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

If the insured has a wrong understanding of the insurance terms, and the insurance is not within the scope of the insurance company's claims, then he cannot enjoy the claims.

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. Let's have a look ~

Second, is there any insurance company that can pay claims faster and be trusted?

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

1. Background of Tongfang Global Life Insurance

There are many people who buy insurance now. I don't know if the insurance company is reliable, so I won't buy it. Now that everyone has figured it out, the senior 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. To put it simply, foreign investors must always prepare enough funds to deal with all kinds of claims that may occur in the future.

If you want to know more about Tongfang Global Life Insurance, 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. Tongfang Global Life Insurance Claims Service

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

Therefore, some claims disputes that we are easy to encounter basically do not exist in foreign-funded 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 annual claims data of Tongfang Global Life Insurance Company in 20021are as follows:

In 20021year, Tongfang Global Life Insurance Company provided claims service for14,586 customers, with a year-on-year increase of17.4%; The amount of compensation reached 487 million yuan, an increase of 44.0% compared with the same period last year.

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

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

3. Solvency of Tongfang Global Life Insurance

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

What is the solvency of Tongfang Global Life Insurance?

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 higher than 50% stipulated by the Bank of China Insurance Regulatory Commission. The comprehensive solvency adequacy ratio is 240%, which also exceeds the standard of 100%.

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

Since Tongfang Global Life is so excellent, what is the cost performance of its insurance products? Just look at 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 a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.

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

WeChat official account: Xueba said that insurance costs less, buy the right insurance!