How to claim for compensation in case of travel accident?

At the end of another year, workers who have worked hard for a year relax their pressure by traveling. Buying travel accident insurance can provide protection for our travel. However, in the event of an accident, how should we claim compensation? What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Take a look at the latest list! Top accident insurance list of national insurance companies!

First, report the case

Customers can get in touch with Youbao customer service whenever and wherever they are in danger, and Youbao will assist customers in handling claims.

At the same time, customers can also contact the insurance company to which the policy belongs at the first time after the accident, and customers who are in danger in different places can call the insurance company's national claims hotline to report claims. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Generally speaking, reporting a case is the first step in settling claims.

2. What information should be submitted for claim settlement?

When a customer applies for a claim, the insurance company will ask the insured to submit relevant information. Different types of insurance need to provide different information when applying for claims.

Travel insurance claims generally involve accidental medical treatment, accidental disability, accidents and other insurance liabilities. The materials required for claim settlement mainly include: (1) insurance certificate (electronic insurance policy); (2) the identity certificate of the insured; (3) the identity certificate of the beneficiary; (4) Proof of the relationship between the beneficiary and the insured; (5) outpatient or inpatient medical records; (6) the original receipt and detailed list of outpatient or hospitalization expenses; (7) the accident certificate issued by the relevant departments; (8) Death certificate, account cancellation and burial certificate; (9) Disability appraisal report (issued by a qualified disability appraisal institution). For the differences and claims of critical illness insurance, accident insurance, accident insurance and life insurance, I just sorted out the relevant contents, hoping to help you: a detailed introduction of critical illness insurance, medical insurance, accident insurance and life insurance! Claim guide

Specifically, the above materials (1), (2), (5), (7) and (9) need to be prepared for accidental disability;

In case of accidental death, the above materials (1), (2), (3), (4), (7) and (8) shall be prepared;

The above materials (1), (2), (5), (6) and (7) need to be prepared for emergency medical treatment.

Three, travel insurance claims matters needing attention

1. Save vouchers and documents related to insurance accidents.

2, overseas travel insurance claims, medical records are important information that must be provided. In foreign countries, if there is no medical record, there will be relevant diagnostic proof materials.

3. Overseas travel insurance can also pay for the expenses incurred by disease clinics. However, there are certain restrictions on the definition of diseases, which must be carried out abroad, and attention should be paid to claims.

Fourth, how to avoid "difficult claims"

1, report the case in time.

After an insured accident occurs, the insured should first report the case immediately and then apply for compensation.

2. Tell the truth when you insure.

When applying for insurance, the application form of an insurance company shall not conceal the matters inquired in writing.

3. Read the insurance clauses carefully before insurance.

In claims settlement, disputes often arise: customers expect high insurance compensation, but the actual compensation often fails to meet the insurance requirements. In this way, it is easy to have conflicts between insurance companies and customers.

Many of these disputes are because when signing an insurance contract offline, the salesman only pays attention to explaining how much compensation he will get after the insurance accident, and rarely explains the restrictive clauses and liability exemption clauses, or even doesn't mention them at all. Reading the insurance clauses carefully before applying for insurance can effectively avoid the conflict between insurance companies and customers on claims.

Bao Ge Tip: Through the above introduction, I believe you have a certain understanding of the claim knowledge. When purchasing accident insurance, the insured should carefully read the scope of protection to prevent future claims from being difficult.