With travel accident insurance, if you need money in an accident, should you pay it yourself first and then ask the insurance company for reimbursement? Or does the insurance company pay directly to

With travel accident insurance, if you need money in an accident, should you pay it yourself first and then ask the insurance company for reimbursement? Or does the insurance company pay directly to the corresponding institution?

1. Personal accident insurance reimbursement process:

Carefully check the coverage of the accident insurance you have purchased. If the accident occurs within the coverage of the accident insurance you have purchased, Compensation can only be received within the scope. You must call the insurance company you are insured with or go directly to the insurance company to report the accident within 3 days after the accident occurs. After that, you need to prepare the materials required for claim settlement according to the requirements of the insurance company. If an accidental disability occurs, you need to prepare relevant outpatient or hospitalization cases, accident certificates, disability appraisal reports, etc., because only the disability can be compensated if it falls within the prescribed range of the personal accident insurance you purchased. If it is an accidental medical compensation, you need to prepare original receipts for outpatient or inpatient cases and outpatient or inpatient related expenses. It will take about a week to receive compensation if all the materials are complete.

2. The reimbursement process of transportation accident insurance:

To check whether the coverage of the insured product covers the accident that occurred, you can only obtain compensation if it is within the coverage. If it is an insured accident, you must report it as soon as possible after the traffic accident occurs. The insurance company will then send staff to assess the loss. After the loss is determined, corresponding claim materials can be prepared in accordance with the requirements listed in the insurance contract. If it is an accidental insurance accident involving flight delay, a delay certificate issued by the airline must be issued. In addition, traffic accidents involving accidental disability require a specialized appraisal agency to give appraisal instructions, and the disability must meet the disability level standard of the traffic accident insurance insured before compensation can be obtained.

3. Reimbursement process of travel accident insurance:

You need to ensure that the travel accident insurance you have purchased covers the current travel accident. Contact the insurance company to which the policy belongs as soon as possible after a travel insurance accident occurs. Customers who are out of town can call the insurance company's national claims hotline to make a claim report. Then prepare the corresponding claim materials according to the travel accident insurance policy, which generally include: insurance certificate (electronic policy), proof of identity of the insured, proof of identity of the beneficiary, proof of the relationship between the beneficiary and the insured, outpatient or inpatient medical records, outpatient or Original receipts for hospitalization expenses, detailed list, accident certificate issued by relevant departments, death certificate, household registration cancellation, burial certificate, disability appraisal report (should be issued by a qualified disability appraisal agency). Finally get compensation.

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