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.

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