A wide array of insurance products now comes with many interesting features and different ways of working, both offered by insurance agencies or banks. With so many benefits that are available, it should have all the advantages offered to use them well.
Well, of course, each agency has its own way of working insurance in accepting claims and time limits. However, many complaints from the holders of insurance regarding various problems faced when making a claim.
Before doing any insurance claim you should know first what the insurance claim is. Insurance claims is a request submitted officially to the insurance provider agencies related to the reimbursement of expenses of the insured, and should be done in accordance with the agreement of the contract with the service provider. Typically these deals can be seen back on policy.
After the request, then the insurance provider will follow up the truth (validity) of a claim, request information, and when appropriate and approved, then the fee will be paid to the insured party.
Sometimes claims it was not easy, that’s why a lot of the owners insurance instead finally fails to make insurance claims. To make a claim, usually you have to make sure a number of things before:
Find out the places that accept insurance, individual insurance have different partners. For example, there are a number of health insurance on hospital be the counterparty of the insurance, and vehicle insurance at a special workshop receive a specific insurance. Be sure and find out that you came in the right place, so easily do insurance claims.
Make sure you premium active because if the premiums you off certain insurance claims will not run smoothly. A number of insurance also requires the payment of the whole of the premium installments as a prerequisite filing insurance claims.
When pleased, you can also contact the insurance before making insurance claims or even before it got the handling, to ensure clarity. This is usually done on health insurance, i.e. before getting action such as hospitalization.
On a number of occasions, there is a chance you were contacted and visited by insurers. This is a regular survey, conducted by the insurance to find out more about the problem and minimize the possibility of cheating.
The Deadline for Insurance Claims
The authority possessed by insurance agencies varies from one another. However, in general, for the insurance claim deadline, in urgent circumstances it is usually 2 or 3 × 24 hours, mainly for hospitalization of health insurance. While other dependents such as medicine, outpatient treatment, and insurance claim deadline you can usually do for 30 days, there are also some insurance for up to 60 days.
To ensure that the time limit of insurance claim, you have to check your insurance policy, usually listed the regulation of insurance providers regarding insurance claims deadline. Don’t get too late and did not re-examine the rules written in the policy because it can cause harm to you.
How Insurance Claims
In General, there are only two things to be aware of to do insurance claims as well as to minimize the occurrence of rejection. It is important to understand the information that is listed on the insurance policies properly and thoroughly; and also the complete document. The last thing is what the most important element in making insurance claims is.
In order to claim life insurance, usually several documents that must be attached in addition to the form is identity as ID CARDS and the identity of the insurance policy that is insurance cards, as well as various ancillary documents such as letters of reference obliged doctors, evidence payment of cost of care along with the original receipt, letter report from a doctor as well as the details of the treatment costs and cost medicines and services.
Don’t forget that everything should be noted when making insurance claims, organized systematically so that you will not get a rejection from the insurance. Insurance claims can do by contacting the provider of insurance services; both with headquarters or representative go to or do an appointment in advance by telephone.
For the insurance of the vehicle, with the development of technology much insurance company has been innovating simplify insurance claims through applications. But, not all insurers have a feature like that. In General, to conduct vehicle insurance usually you have to make a claim and also sent a photo of the damaged section, then sent to the insurance company. Later there will be a survey of the insurance officers who viewed the damage to the vehicle, are it true that such an explanation, it will be accepted and you can bring it to a repair shop fixed.
Well, now you know the procedures and purposes required for insurance claims and insurance claims is no longer difficult. Did all the steps above in order to make insurance claims you received.