Tuesday, 2 October 2012

Insurance Claims, Problems and Solutions

Insurance is easy entry, but his claim hard, been paying premiums for two years, so the claim is not paid or compounded Maybe that's a small portion that is your minds, so that you do not want to take an insurance policy.

Actually claim a right earned by each customer insurance. And of course the insurance company will pay the claim, the liability of the customer are met. Let us consider the mechanism of Claims, Claims that you'll get paid. And of course you are still antipathy about insurance so open-minded, so as soon have the insurance policy.

The purpose of the claim is to provide benefits in accordance with the provisions of your policy. In order for claims to be processed and paid, note various important provisions regarding the filing of claims.

Before submitting a claim, make sure you have the appropriate benefits to those listed in your policy. Example: You only have life insurance only, it automatically if you file a claim hospitalization, certainly not the insurance company will pay the claim. So go back and check the insurance benefits you have taken, make sure you have insurance that will benefit you claim.

You must make sure, too, that your policy is still in a state of inforce / valid / active. So that you are always in a state policy inforce, make sure you make a payment / transaction on a regular basis (especially in the first two years).

Make sure also, Polis is not in the waiting period. That waiting period is a time of coming into force of your insurance coverage. Example: for the protection of hospitalization due to illness, such as diarrhea, dengue fever, urinary tract infections, typhoid, etc.. Waiting period is 30 days from the receipt of the insurance customers. Remember also that the requirement for a claim usually must be hospitalized, could be at least 1 x 24 minutes or 2 x 24 hours.

So before the claim is made, check the criteria claim to be filed or contact your agent for help. After ensuring the above match, then as soon as possible to make a claim (claim submission), as it will expedite the claim process.

General Stages of Claims Processing follows:
1) Claim Form completed by Insured / Participant / Policy Holder / Heirs (claims for death), to include a certificate from the doctor. 

2) Insured / Participant / Policy Holder / Heirs peninjung submit documents to the insurance company claims, such as receipts, results of medical records, lab results, police report (if the claim for an accident), and other required documents. 

3) Include Policy Number and Account Number with your right, and Signed Claim corresponding signatures that exist within the policy, include a self-identity as well (FC ID / Driving License / Passport). So make sure you have included Policy Number and Account Number Policyholder a clear, complete and correct. 

4) Insurance Company will conduct validation and verification of the supporting documents to the Policyholder / Insured / Heir and the doctor or hospital if necessary. 

5) If the results of the validation and verification by the insurance company are in accordance with the regulations, the payment of claims will be processed by the claims. 

6) Insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Expert Waris.Value Of Trust