Careful service and fast claims process

In the past two years, Tianjin Insurance Company’s fast and professional claims settlement work has played a good role in economic compensation and social stability after accidents and disasters. It has also played a good role in supporting economic development, resolving social conflicts, and promoting social stability through insurance. Being socially responsible has had a positive impact. The new insurance products developed by various companies are also well received by customers, and the public's awareness of risk and insurance has further increased.

It’s hard to see true feelings and heart-warming moments.

The loading and unloading team of Shengbaoda Coal Industry in Tanggu, Tianjin purchased Pacific Life (2008) group accident insurance and additional accidental injury medical insurance in April 2015, with an insured amount of RMB 250,000 per person in case of death. On August 12, 2015, an explosion occurred in the dangerous goods warehouse in the Tianjin Port Free Trade Zone. On August 14, the company received a report that a total of five people from the Shengbaoda Coal Industry loading and unloading team died in this accident.

After receiving the report, Pacific Life Tianjin Branch quickly launched a major accident emergency plan, contacted the person in charge of the unit immediately, and quickly started claims settlement. All compensation work must be completed before September 16th. *** paid 1.25 million yuan to the beneficiaries of the five victims.

Pacific Life responds to incidents quickly and efficiently, clarifying the responsibilities of each position to ensure that major emergencies are responded to and handled as soon as possible.

Comments:

The insurance company’s rapid handling mechanism and innovative compensation measures in the face of major incidents embody the efficient service concept of “commitment with heart and responsibility with love” and highlight the insurance industry A strong sense of social responsibility has established a good image of the insurance company's integrity.

2 Disaster accidents can mean the difference between life and death, and compensation claims are warm.

On August 12, 2015, after the explosion accident at the dangerous goods warehouse in the Tianjin Port Free Trade Zone, the claims investigators of China Life Tianjin Branch arrived at the accident scene as soon as possible and opened a green claims channel at the counter.

The freight forwarding company insured "China Life Oasis Group Accident Insurance (Type B) (2013 Edition)" for Li, with an insured amount of 400,000 yuan. The company will pay 10,000 yuan in compensation immediately. Based on the customer’s subsequent burn injuries, *** will pay 400,000 yuan in disability insurance.

Teacher Chen bought a copy of "China Life Yingcai Children's Insurance (99 Edition)" for his son, with an insured amount of RMB 30,000. Unfortunately, Teacher Chen died in this accident. According to this clause, his son received 38,000 yuan in insurance, including premium waiver, success insurance, occupational insurance and placement insurance.

Comments:

The "812" explosion is a major test for insurance companies. In this accident, the insurance company fulfilled its responsibilities as an insurer, simplified and optimized the claims process, and provided the insured with convenient and fast claims services, which fully reflects the insurance industry's commitment to commitment, risk-taking, service-oriented, and standard compliance. core values.

China Life Insurance claims adjusters conduct inspections on escaped customers at the scene of the "812" accident.

3 Clients have kidney failure and critical illness insurance will last them a day.

Insured Wang Mou, in November 2009, the insured's health insurance "Care Expert Regular Critical Illness Personal Disease Insurance" had an insured amount of 300,000 yuan. In March 2012, "Care Expert Regular Critical Illness Personal Illness Insurance" was added, with an insured amount of RMB 700,000. From November 6 to 24, 2015, Wang received a kidney transplant at Tianjin First Central Hospital due to chronic renal failure.

The company’s claims adjuster found out that Wang had a history of hypertension. Before admission, he was diagnosed with chronic renal failure by the local hospital and did not undergo hemodialysis. In response to this situation, the company's claims adjusters investigated the insured's previous hospitalizations from three aspects: hospitals, peer companies, and physical examination institutions, and found no previous hospitalization records of Wang Zai before taking out the insurance. The branch paid a claim of 1 million yuan normally according to the terms.

After receiving the claim application, PICC Health Company immediately launched an emergency plan and set up a special claims team to give priority to the compensation service for this insurance accident, formulate service measures, and carefully investigate and collect evidence. loss, the loss does not exceed the standard" and fulfilled its due obligations responsibly.

This compensation case reflects the risk protection function of critical illness in insurance

On the evening of February 8, 2016, the insured family was driving back to Tianjin from Langfang, Hebei Province. Suddenly, a tire burst, and the vehicle lost control and hit the road. The stone piers of the border houses. There were five people in the car, except for the one-and-a-half-year-old child who survived. The child's parents and grandparents died on the spot.

The insured took out the "Ping An Fu Combination Products" and "Million Renwo Products" from Ping An Life Insurance Company, a Chinese company, and the insured amount related to this accident reached 1.55 million yuan. More than two months later, the insured's family reported the case to the company, and the company verified that the accident was an accidental injury death claim case in which the insured died in a traffic accident as a passenger. Because the beneficiary died in this accident, according to the relevant provisions of the Insurance Law and the Inheritance Law, his one and a half year old son is the sole heir but needs a guardian. In May 2016, the Guardian confirmed that the company paid the full compensation of 1.55 million yuan to the Guardian.

In this case, the beneficiary and the insured died in the same accident, and the heir was young, which ensured accurate delivery; care and persistence demonstrated social responsibility.

Comments:

The beneficiary refers to the person who has the right to claim insurance money designated by the insured or the policy holder in the life insurance contract. In this case, the car accident resulted in the death of the insured and the beneficiary. According to the provisions of the Insurance Law of the People's Republic of China and the State, if the beneficiary and the insured die in the same event, the order of death cannot be determined. If the presumed beneficiary dies first, the insurance money will be inherited as the insured's estate in accordance with the Succession Law of the People's Republic of China. In this case, the beneficiary was the insured’s 1-year-old son. After determining the guardian, the insurance company paid a compensation of 1.55 million yuan2. Although parents and grandparents are no longer with the child, insurance benefits can provide important financial security for the child's future growth.

5 Linked Care adds warmth, and claims are settled quickly and conveniently, Xinhua Love

The insured, Mr. Wang, purchased the "Healthy Lucky Star Critical Illness Insurance" from Xinhua Life Insurance Company. On February 8, 2016, Mr. Wang suffered a sudden cerebral infarction and was in a coma. He was admitted to the ICU ward of Tianjin Medical University General Hospital. On February 19, after receiving the report, the company verified that Mr. Wang met the compensation conditions stipulated in the terms and conditions, and paid 106,000 yuan for critical illness insurance that day.

Yuan. Mr. Wang passed away on March 22. While the company's policy service staff guided the beneficiaries to prepare death claim materials, claims investigators simultaneously carried out accident verification and high-cost case reporting, and communicated with the review and approval personnel of the head office. . On March 29, after receiving the complete claim information submitted by the beneficiary, the company immediately paid a death insurance benefit of 4.0015 million yuan, which was the largest claim payment since the establishment of the Tianjin branch.

This case embodies the latest investigation method of "pre-investigation". After receiving the report, the company's claims investigators promptly went to the hospital to investigate and collect evidence. When the beneficiary did not submit claim information, they pre-empted the investigation and approval of high-value compensation cases. The combination of risk control and proactive service ensured that Quick payout.

Comments:

Claim settlement is a key link in testing the service quality of an insurance company and best reflects the company's strength and credibility. In this case, the insurance company's claims investigators adhered to the "customer-centered" service concept. When the insured (patient) had not been discharged from the hospital and the medical records could not be retrieved in accordance with hospital management regulations, they took the initiative to speak for the client and negotiated with the hospital. We conducted fast and effective communication and obtained strong compensation evidence from the hospital in a short period of time, which truly reflected the awareness of urgent customer needs and proactive service.

6 Quick and thoughtful claim settlement for heavy objects falling without warning

In March 2016, a new material packaging company in Tianjin insured its employees with Hezhong Group Accident Injury and Group Additional Accident Insurance Injury Medical Insurance. On October 7 of the same year, employee Zhou was injured by a 2-ton iron bucket on a high hanger in the production workshop and died unfortunately. On October 8, after receiving the report, the company immediately contacted the insurance company, helped the customer collect necessary information, and went to the hotel where the customer's family lived to handle the claim.

The case was closed about two hours after it was officially filed on October 17, and the applicant was paid a claim of 500,000 yuan.

This case only took 10 days from the occurrence of the accident to the conclusion of the case, which fully reflects the professional, patient and sincere service concept of the insurance company. The claims adjusters provide attentive service and settle claims quickly, bringing warmth to customers’ families and maximizing the role of insurance in compensation and ensuring social stability.

Comments:

Accidents occur all the time. Insurance companies and individuals should enhance their awareness of risk prevention and use insurance as a means of risk transfer to reduce the impact of accidents on themselves and their families. impact. The insurance company closed the case quickly and provided attentive service, demonstrating the insurance's relief for major accidents.

7 Tax-preferential health insurance escorts the sunshine with you

In April 2016, Ms. Wang insured Section A of Sunshine Life Insurance’s personal tax-preferential health insurance. In June of the same year, Ms. Wang was hospitalized due to illness and incurred a total medical expense of 29,000 yuan. Ms. Wang still needs to pay 16,800 yuan after being reimbursed through social medical insurance. After receiving the report from Ms. Wang, the company verified that it was correct and paid Ms. Wang 15,000 yuan through tax-preferred health insurance, with a ratio of 90%. High payment risks were avoided in a timely and effective manner.

Tax-advantaged health insurance is a new insurance type launched by Sunshine Life in 2016. The characteristics of this insurance type are that the insurance premium can be deducted from the tax amount, the compensation ratio is extremely high, and the lifetime insurance amount is extremely high, which truly helps customers save money. Get the most effective treatment for a small amount of money.

Comments:

On August 10, 2015, the China Insurance Regulatory Commission issued the "Interim Measures for the Management of Personal Tax Preferential Health Insurance Business" and piloted it in relevant areas. The so-called personal health insurance tax incentives refer to the part that taxpayers can deduct before tax when calculating taxes for the current year (month) after purchasing commercial health insurance. This case can make more people realize the protection function of this product and promote the sales of personal tax-advantaged health insurance in the future.

8 Fast claims settlement and true love lie in China Life’s care and great love

Mr. Yu purchased the “China Life Corning Lifetime Critical Illness Insurance” from China Life in 2011, with an insured amount of 160,000 yuan. In September 2016, Mr. Yu suddenly fell ill while at work. The hospital diagnosed him with "acute myocardial infarction, coronary atherosclerosis" and performed stent implantation. Due to timely rescue, Mr. Yu saved his life, but the huge cost of treatment made Mr. Yu's family worried. After receiving the claim settlement application from Mr. Yu’s family, China Life quickly completed the claim settlement according to the insurance liability and paid Mr. Yu 480,000 yuan in critical illness insurance.

"China Life Kangning Lifetime Critical Illness Insurance" is a special critical illness insurance launched by China Life. If the insured suffers from a disease, the company's claims adjusters will quickly complete the claim according to the insurance liability, provide the customer with follow-up medical expenses, and solve the customer's urgent need.

Comments:

The payment method of "China Life Corning Lifelong Critical Illness Insurance" is that after the critical illness listed in the insurance is diagnosed, the insurance company will immediately pay the disease insurance premium. In this case, Mr. Yu received compensation three times the insured amount of the policy according to the contract, totaling RMB 480,000. This compensation not only prevented Mr. Yu’s family from falling into poverty or returning to poverty due to illness, but also gave the family warmth and hope for life again.

9 Anxingbao will be with you all the way through the unpredictable ups and downs of life

The insured, Mr. Cai, purchased 3 copies of Pacific Life's "Anxingbao Endless Insurance" in June 2016. The basic insurance amount is 3 million yuan, and the beneficiary is his wife. In October 2016, Mr. Cai accidentally rear-ended a heavy truck while driving and died on the spot. After receiving the report, the company quickly dispatched professional investigators to the traffic police department and the accident site to investigate and collect evidence in accordance with Anxingbao's investigation standard procedures. In early December 2016, the insured's family formally submitted a claim application to the company, and the company immediately fulfilled its insurance payment obligations in accordance with the insurance contract and paid 3 million yuan in vehicle accidental death insurance benefits to the insured's family.

The "Anxingbao Endless Insurance" in this case is a high-insurance driving insurance with low premiums, convenient insurance, and comprehensive coverage. It is a typical accidental injury claim case.

Mr. Cai has purchased sufficient personal accident insurance, which can provide financial compensation to his family when risks arise.

Comments:

Among the deaths caused by accidents, car accidents account for the largest proportion. The self-driving insurance products currently launched by the insurance industry have low premiums, convenient insurance, comprehensive protection, and high insurance amounts. They meet the new risk defense needs of customers and truly provide customers and families with practical insurance protection.

10 Serious illness is difficult to prevent, but the sun comes from the sky and the compensation comes in time

In 2011, Ms. Wang purchased the "Zhenxin 128 Endowment Insurance" and the "Additional Zhenxin 128 Critical Illness Insurance", with the insured amount 300,000 yuan. In 2016, Ms. Wang was diagnosed with "intracranial space-occupying lesions", and the treatment cost was more than 300,000 yuan. After receiving the report, the company immediately contacted Ms. Wang to prepare the claim materials, and specially applied to the headquarters to open a green channel for Ms. Wang. It stepped up the processing of Ms. Wang’s compensation case and paid Ms. Wang 30% of the compensation in just 3 days. Ten thousand yuan.

The high cost of treatment places a huge financial burden on clients. The company's timely compensation not only helps customers cure their diseases, but also restores the family's economic level and quality of life to their original standards.

Comments:

Critical illness insurance refers to insurance that requires the diagnosis of the disease listed in the policy as a condition for payment of insurance benefits. Its characteristic is that it pays when you are sick. In this case, the insured purchased the end-all-end insurance plus critical illness insurance. According to the provisions of the critical illness insurance policy, the insurance company paid a compensation of 300,000 yuan to the insured to prevent Ms. Wang’s family from " Being impoverished due to illness and returning to poverty due to illness" is a timely help to Ms. Wang's family. It fully reflects that insurance plays a role in protecting the normal economic life of the family and is conducive to the stability and happiness of society and the family.

Related questions and answers from China Insurance News and China Insurance Network: How to get China Life Yingcai Children’s Insurance (99 Edition). The method of receiving China Life Yingcai Children’s Insurance (99 Edition) is as follows: 1. If you want to collect it online, we can go through Go to the official website of China Life on your mobile phone or computer, fill in the relevant information on the special annuity collection page, and after passing the verification, you can receive the annuity, which will be paid to the designated bank account in 3-5 working days. 2. If you choose to receive it offline, you need to go to a sales outlet of China Life. With the assistance of the staff, apply for an annuity at the work counter. You need to bring the ID cards of the policy holder and the insured, and then go to work in 3-5 The annuity will be remitted to the designated bank account on a daily basis. Operating environment: Brand model: Lenovo laptop Xiaoxin Air15 Ryzen version System version: Windows 11

Extended information: 1. When to receive the survival benefit from China Life Yingcai Children’s Insurance 99 version 1. The first annuity The time of collection is the effective date of the policy in the year when the child turns 18. At this time, if the child survives, he can receive the first insurance payment issued by the insurance company, with a basic insurance amount of 30 per day. 2. The second annuity is received on the policy effective date in the year when the child is 22 years old. At this time, if the child survives, he can receive the first insurance payment issued by the insurance company, with a basic benefit of 30 per year. Insured amount. 3. The third annuity is received on the policy effective date when the child is 25 years old. At this time, if the child survives, he can receive the first insurance payment issued by the insurance company, with a basic benefit of 40 per year. Insured amount. 2. The insurance benefits of China Life Yingcai Children’s Insurance (99 edition) are as follows: 1. Survival insurance. The survival insurance of China Life Yingcai Children’s Insurance (99 edition) is mainly divided into three parts - growth insurance, career insurance and Settlement insurance benefits are respectively 30, 30, and 40 insured amounts, which can be collected on the corresponding policy year date when the insured reaches the age of 18, 22, or 25 years old. At this time, it is the three golden ages of the insured. The insured can use these three funds to plan education expenses, or use them as business funds, marriage leave funds, etc. 2. Death insurance benefit: If the insured unfortunately dies before the policy year before turning 18, the insurance company will refund 1.5 times the premium paid; if the insured dies after turning 18, the insurance company will refund The life insurance benefit that the insured has not received will be paid to the contract beneficiary in one lump sum.

3. Premium Waiver China Life Yingcai Children’s Insurance (Version 99) comes with insurance exemption liability. If the policyholder unfortunately dies before the insured reaches the age of 18 (the insured is still alive at this time), the insurance company will waive the liability. For the later premiums of the contract, the policy remains valid. This measure is still very user-friendly and can avoid the situation of "if something happens to an adult, the child's insurance premium will not be paid".