How to settle claims for Yantai citizens' medical insurance

1. How to claim for Yantai citizen health insurance?

1, Yantai citizen health insurance claims are as follows:

(1) citizens can apply for online claims through the official insurance platform;

(2) The public can directly call the customer service phone of the underwriting insurance company to make claims;

(3) Citizens can apply for claims at the counter of insurance company outlets.

2. Legal basis: Article 11 of People's Republic of China (PRC) Insurance Law.

When concluding an insurance contract, the parties shall reach an agreement through consultation and determine the rights and obligations of each party in accordance with the principle of fairness.

Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.

Article 12

When concluding an insurance contract, the applicant for life insurance shall have an insurable interest in the insured.

The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident.

Personal insurance is an insurance with human life and body as the subject matter.

Property insurance is insurance with property and its related interests as the subject matter.

The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.

2. What are the exclusions of health insurance?

The exclusions of health insurance are as follows:

1. The insured is sick or pregnant when signing the insurance contract;

2. Unless otherwise provided by law, the insured intentionally commits suicide or attempted suicide, resulting in illness, disability or death;

3. The insured suffers from illness, disability, abortion or death due to intentional abortion;

4. Exclusion liability of accident insurance contract;

5. The insured intentionally or seriously neglects;

6. Riot, civil strife, rebellion or any act of war.