Insurance Claim

Insurance Claim - We often hear the term "insurance claim" 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 the insurance claims is to provide benefits in accordance with the provisions of the insurance policy to the policyholder (insured). So that insurance claims can be processed and paid by the insurance company, there are a variety of important provisions concerning the filing of a claim that must be considered.

    The claims as stated in the policy. Before making an insurance claim, make sure that you have the benefits in accordance with that recorded in the insurance policy. For example: You only have life insurance only, it 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 still valid (in force). You have to make sure also 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 the payment / transaction on a regular basis (especially in the first two years, do not there is a hole).

    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. For example: for the protection of hospitalization due to illness, such as typhoid, dengue, etc. The waiting period is 30 days from the receipt of a participant insurance.

    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. Medicalnya and the result is not good, so for pain because of kidney stones are not covered. So if you make a claim because of a kidney stone, 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 the required supplementary documents. So before the claim is made, check the criteria claim to be filed or contact your agent for help if all is appropriate. After the claim immediately handed over to the best insurance companies in order to speed up the claim process.
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Written by Dx at the date of Tuesday 5 January 2016