Want a Claim to Be Accepted, Follow These 9 Ways to Claim Insurance come on
Want a Claim to Be Accepted, Follow These 9 Ways to Claim Insurance come on - Understanding insurance is not easy, because many things need to be looked at. Especially if you want to make an insurance claim. So that you don't feel cheated because an insurance claim was rejected, we must both understand how insurance claims work.
Here are 11 insurance claim tips so that
your claim is accepted. Let's see the article!
1. Make sure your data is correct
The personal data that you fill in during insurance registration is one of the crucial things during the claim process. This data may include full name, address, contact number, age, health condition, and more. If the insurance company finds that there is data that is different from what is stated in the policy, then the company will have the right to reject the claim you filed.
2. Has passed the insurance waiting period
Some types of insurance have a waiting period, usually for health or critical illness insurance. The waiting period is the period when the insurance has not been active. This waiting period is useful for reducing cases of pre-existing conditions, or cases of people who have been sick before insurance.
So for example, you bought Super Strong critical illness insurance on January 1, 2020, and the waiting period is 1 year. Then you can only submit a claim starting from January 2, 2021.
Therefore, it's a good idea to double-check whether the type of insurance you have has a waiting period. Some other types of insurance, such as Super Safe accident insurance, have no waiting period at all.
3. Find out what cases can be claimed
When buying insurance, you must be able to be careful and careful in checking the benefits and functions of the insurance provided. Maybe they list the coverage of medical expenses, but what are these medical expenses for? Can it be for outpatient or special inpatient purposes? Is it possible to cover the treatment or the results of the lab examination? There are certain conditions in your insurance benefits, so check more carefully!
For example, medical reimbursement. Reimbursement of medical expenses due to accidents is not only for Hospitalization but also for Day Home Surgery. However, Home Care or Surgery Today must be within 24 hours of the accident. By understanding the specific case, you can understand whether your case meets the existing criteria for submitting a claim.
In addition, there is also an exception clause. The cases in this exception are not covered by insurance. For example, if it is proven that the Insured (the person whose life is insured) died due to suicide, then the Insurance Benefit cannot be claimed.
4. File a claim on time
Each insurance claim has a certain deadline for submitting a claim application. If you submit a claim late, then your claim can be rejected. For example, if in your insurance policy it is stated that the claim application must be submitted within 30 calendar days, then it cannot be past those 30 days.
If you miss it, unfortunately, you can't claim the protection benefits that should belong to you. Make sure you and your heirs know about this insurance deadline so you don't miss it.
5. Collect Complete Documents
There are various kinds of documents that you must collect when submitting a claim. This document must be complete and filled in correctly. If there is just one piece of incorrect information or incomplete documents, then your insurance claim can be rejected.
You can check the required documents on your insurance policy. If you have Super You insurance, you can check it online by looking at the Claims menu, selecting the type of claim you want to submit, and checking the claim procedures and documents needed.
6. Collect Complete Documents
There are various kinds of documents that you must collect when submitting a claim. This document must be complete and filled in correctly. If there is just one piece of incorrect information or incomplete documents, then your insurance claim can be rejected.
You can check the required documents on your insurance policy. If you have Super You insurance, you can check it online by looking at the Claims menu, selecting the type of claim you want to submit, and checking the claim procedures and documents needed.
7. The occurrence is not caused by the influence of alcohol or drugs
Just like cases of lawlessness, events should not be caused by the influence of alcohol or drugs. This case falls under the exception as well. If the Insured has an accident as a result of driving under the influence of alcohol and dies from it, then it is unlikely that his life insurance claim can go down.
8. The case is accidental
Intentional cases, such as intentionally injuring oneself or burning one's own house in order to obtain insurance benefits, will not be able to be claimed. Cases like this can even be regarded as insurance crimes or forms of insurance fraud.
If after investigation it is found that something happened there was indeed an element of intentionality, then the insurance company will reject the claim filed.
9. Make sure the location of the incident is in the insurance service area
Not all insurance services can cover all regions or countries. If you experience risks outside the coverage area of the insurance service, then you will not necessarily be able to submit a claim.
For example, you have health insurance in Indonesia, but you fell ill while in Malaysia. If the health insurance service only covers Indonesia, then you cannot submit an insurance claim.
Therefore, it's a good idea to double-check how wide the coverage area of the insurance service you have is.