WHY YOUR CLAIM IS DENIED?
Have your claim was denied by the insurance company? Feel angry and disappointed because of the obligation to pay the premium alone is routine and never too late but the right really is not given? Well, actually there are a lot of things we need to understand together as insurance customers that the insurance company has different provisions currently bear the cost of customer claims. Why is there a claim that is easily administered and some are difficult disbursed even rejected? Here are some reasons that may be applicable in some or all types of insurance available:
1. The problem / disease you are not covered in the agreement (contract) of insurance
Consciously or not, is often experienced by insurance customers where they did not know exactly what is covered by insurance which they follow.
The example in the life insurance: in a written contract that if death due to accident / illness will be borne by the company. But if in fact the customer died when he did the crime, this is certainly not the responsibility of the insurance company again.
2. Your Claim Document is Incomplete
It is also important things that must be considered by the insurance customers. Before you make a claim, make sure that all existing supplementary documents so you do not need to waste time going back and forth taking care of it.
Examples of health insurance: when you want to claim the cost of a hospital, you should have a doctor's certificate that you are ill, claim letter of your own, as well as various other documents as complementary.
3. Your status is still in the Grace Period (Wait Time)
Grace preiod is the period from the date of issuance activation policy. Call it a rule that gives insurance for hospital care, the policy waiting period is 3 days. As for the critical illness policy waiting period is 90 days (3 months).
Examples in Health Insurance: Your policy published on 10 May 2015. If suddenly entered hospital for inpatient dated May 25, 2015, your claim will be denied. However, if within that time the accident occurred on the customer, the insurance company will accept your claim.
4. Policy Lapse you in a state (Off)
Policy Lapse means that your policy is not active because you are not disciplined in paying liability insurance premium was due. Therefore, the insurance company has the right not to pay a claim you filed. Call it insurance if you are maturing within 3 months of consecutive no premium payment.
The example in the property insurance: One time, store your gold fire because of electrical surge. And you've been late paying insurance premiums for 5 consecutive months. Automatically as you claim, the insurance company will not grant the claim because you have violated the rules of the contract.
5. You Accidentally Doing 'Crime' Insurance
Crime insurance is less commendable action that is done deliberately in order to obtain disbursement of money claims. Never commit a crime like this because of the insurance company also has a filter information and data is so strong that if you are found to have violated the terms of action, you will only receive severe legal sanctions.
The example in the life insurance: A child (heir insurance) accidentally kills his father (the insured party) just to get a large amount of money claims. If this action is known by the insurance company, your claim will be denied even you could be criminalized for having committed a crime plan.
6. You in the Pre Existing Condition (Existing Conditions)
Pre Existing Condition is a condition you were in accordance with reality, for example in the case of illness. It relates to customer honesty when filling out the form when registering insurance history of the disease. Is expected to provide information according to the situation so that later when the claim is not experiencing problems.
Examples of health insurance: the customer has a history of shortness of breath, but he hid this fact. After 4 months of holding the policy, he filed a claim for blown relapse, of course the insurance company will reject the claim because it was not previously recorded in medical history.
The above items are just a few things that the reason for rejection of claims by insurance companies. There are still many other things that may have not been mentioned here, adapted to the type of insurance and the companies that issue them. With the above facts, it is very important for policyholders to study the contract carefully so as not to feel disadvantaged in the future.
In my opinion, it's the same insured by investing for the future. Suppose we have a health insurance means that we have the investment money to ensure our health care costs in the future. Living conditions can change at any time without being able we thought previously. Currently, I personally have health insurance that I expected to be useful in the future when needed. Provided that pay premiums smoothly and on time, the claim that we proposed (in accordance with the issues covered) would be granted by the insurance company.
Broadly speaking, some of the main benefits if we have insurance are:
Guaranteed protection in the event of a disaster, such as illness, accidents, fires etc.
Educate us to be wise in managing money for paying insurance premiums together with the savings to ensure the future.
Make your old age more calm and comfortable because of the insurance, your life is guaranteed, either by the health funds or pension funds, in accordance with the selected insurance.
Insurance education will benefit greatly reduce the burden on us in the future as the cost of education of children getting more expensive over time.
Provide assurance and serenity to your beloved family when customers are insured dies so relatives / heirs can get the insurance money in accordance with the agreement / contract.
Hopefully, the public is increasingly aware of insurance, especially those considered to be an emergency at this time is the health or life insurance that have enormous benefits to our everyday life. This will greatly help the public, which is currently going on condition that caused the financial crisis versatile goods expensive, especially for the cost to the doctor or hospital. Yes, when considered as a whole, it is burdening us with the insurance premium to be paid for any period of time (eg every month) in accordance with the provisions. But we are going to get the benefit was also great and our future was more secure.
Never underestimate insurance. To be sure the insurance that we select, check out insurance companies that offer, whether it has the quality and the market growth is good or not. Furthermore, the study also rules in the policy that we do not feel cheated by agents or companies that offer insurance. After mantab with insurance companies and understand the points that the insured in the policy, please select obligations to pay the premium per month in accordance with the ability (income) you. Finally, soon a list of insurance according to your preferences and needs.
Google Terjemahan untuk Bisnis:Perangkat PenerjemahPenerjemah Situs WebPeluang Pasar G
0 komentar:
Posting Komentar