Saturday, 27 June 2015
Insurance
Claim
Insurance
Claim - We often hear the term "Insurance Claims" but what exactly is
meant by the Insurance Claims?
An
insurance claim is a formal request to the insurance company, to request
payment under the terms of the insurance policy. Insurance claims are submitted
will be reviewed by the company for its validity and then paid to the insured
upon approval.
The
purpose of insurance claims is to provide benefits in accordance with the
provisions of the insurance policy to the policyholder (insured). In order for
insurance claims can be processed and paid by the insurance company, there are
a variety of important provisions regarding the submission of claims to be
considered.
The
claims as stated in the policy. Before making an insurance claim, make sure
that you have the appropriate benefits to those recorded in the insurance
policy. For example: You only have life insurance only, then automatically if
you file an insurance claim for hospitalization, the insurance company will not
pay the claim. So go back and check your insurance benefits that have been
taken, and make sure that you have insurance that will benefit you claim.
Policy
is not in the waiting period. Make sure the insurance policy is not in the
waiting period. That is the waiting period is the period of entry into force of
insurance protection. Examples: for protection hospitalization due to illness,
such as typhoid, dengue, etc. The waiting period is 30 days from the receipt of
a participant insurance.
Policy
is still valid (in force). You have to make sure, too, that your policy is
still in a state of Inforce / valid / active. So that your policy is always in
a state of Inforce, make sure you make payments / transactions regularly
(especially in the first two years, do not there is a hole).
Claims
included in the coverage. Make sure that you ask not claim exemption listed in
the policy. Example: You've never underwent kidney stone surgery, well when you
propose a kind of insurance policy, you are told to medical. And it turns out
medicalnya less good results, so as to pain because of kidney stones are not
covered. So if you make a claim for kidney stones, auto insurance companies
will not pay for it.
After
the above provisions are met, the claims submitted by you shall be equipped
with all the requirements and required supporting documents. So before the
claim is made, check back claims criteria to be filed or contact your agent for
help if all is appropriate. After the claim immediately submitted to the
insurance company its best to speed up the process claim.
