What is the scope of accident insurance claims?

1. accidental death and disability protection, with the insured amount of 200,000;

2. Accident medical insurance, with the insured amount of 10000 yuan, external medicine is not limited to social security, and there is no deductible, 100% reimbursement;

3. Death or disability protection vaccine, insured amount100000;

4. Inoculate with medical insurance for accidental injury, with the insured amount of 3000 yuan.

General accident insurance includes accidental death or disability, accidental medical insurance, and other insurance liabilities depend on the insurance contract.

1. Call the police.

Claims service personnel will ask you about the accident, assist in arranging rescue, inform the follow-up claims processing flow and guide you to call the police. Please call the police in case of emergency.

2. Accident investigation and loss confirmation

With your assistance, our company's claim adjusters or commissioned assessment agencies, technical appraisal agencies and overseas agents went to the scene of the accident to investigate the accident, understand the losses involved, consult and preliminarily collect evidence and materials related to the nature, causes and losses of the accident, confirm whether the accident belongs to insurance liability, and entrust specialized technical appraisal departments or scientific research institutions to provide professional technical support when necessary.

3. Submit claim materials

Please submit all the information required for the claim according to the content of the claim notice notified by our company in writing. Our company will timely review and confirm the authenticity and completeness of the claim materials you submitted. If the claim materials are incomplete, our company will inform you to supplement the relevant materials in time. If there is any doubt about the authenticity of the claim materials, our company will investigate and verify them in time.

4. Salary calculation and audit

Under the condition that the claim information you submitted is true and complete, our company will accurately calculate the insurance claim amount according to the insurance contract and relevant laws and regulations, and conduct internal audit on the claim.

5. Payment of claims

The insurance company pays the indemnity according to the agreed payment method and insurance contract.

Accidental injury insurance is one of the life insurance businesses. Life insurance with the death or disability of the insured caused by accidental injury as the condition for paying insurance benefits.

Its basic content is: the insured pays a certain amount of insurance premium to the insurer. If the insured suffers an accidental injury during the insurance period, and the accidental injury is a direct or proximate cause, resulting in the death, disability, medical expenses or temporary loss of working ability of the insured within a certain period from the date of the accidental injury, the insurer will pay a certain amount of insurance money to the insured or its beneficiary. There are two security items, namely death payment and disability payment.