Sometimes, we feel that the danger seems to be far away from us. Only when the tragedy really happens, do we suddenly realize that it is actually very close. Wise people know how to prepare for a rainy day and tie an insurance rope to possible future accidents. However, can buying an insurance casually with your eyes closed really guarantee a worry-free future?

In fact, how to choose the insurance that suits you, how to settle claims correctly and smoothly, and not to make the difficult days worse, this is another science.

Case analysis

In the late autumn of 2111 at the beginning of the century, there was a dangerous accident of gas explosion in Jilin City. Less than one minute after the party returned home, the gas bottle in his home suddenly exploded, causing him to be disabled in the fourth degree, and his already poor family immediately fell into hell. The only hope of the family is the insurance worth more than 161 thousand yuan invested in a few years. However, the insurance company refused to pay.

because according to the report issued by the fire department, the liquefied gas cylinder that had an accident was overdue and was not suppressed within the specified time limit, and even such a cylinder could not be insured at all. This news is undoubtedly a bolt from the blue for a family that has been desperate!

Case analysis

Nowadays, people only think that the higher the insurance, the better. When they buy an insurance, they don't even know how to pay for it. In fact, the amount of insurance is only one of the reference factors for insurance companies to price insurance, but it is not the most important.

In this case, the family bought accident insurance for personal and property (real estate), which caused the party to be disabled unexpectedly. Different insurances pay different proportions for disability. If the first-degree disability is 111%, the second-degree disability may be 71%, and the third-degree disability is 41%. Be sure to keep your eyes open and ask clearly when buying insurance.

However, accident insurance can be infinitely superimposed, whether you have bought insurance in multiple companies or just bought multiple insurances in one company, you can accumulate. Knowing this is also a way to protect yourself.

In a case like this, after an accident, the insured person suddenly realized that the cylinder in his home was not in line with the business scope of the insurance company at all, which shows that we must carefully consider and read the terms. Polishing your eyes on insurance may become a gift in the future.

The above case has also aroused many people's reflections. It turns out that not knowing the scope of insurance is tantamount to throwing it in vain. Then let's learn about the coverage of insurance now and how to make a correct claim.

1. how to define the coverage of insurance?

before we buy insurance, we must first confirm the coverage of the insurance. Taking the above case as an example, the insurer bought "Comprehensive Liability Insurance for Natural Gas Pipelines and Liquefied Gas Tanks", so we must first understand the coverage of this insurance. The coverage we inquired is as follows:

1) Personal protection: the insured shall pay for accidental death, disability and medical expenses caused by explosion, fire, leakage and poisoning caused by using natural gas.

2) Property insurance: The insurer shall be responsible for compensation for the fire, explosion or loss of the subject matter insured due to gas leakage caused by appliances, pipelines and attached facilities using natural gas as energy.

3) Third-party protection: the financial compensation liability that the insured shall bear according to the laws of the People's Republic of China (excluding the laws of Hong Kong, Macao and Taiwan) in case of fire and explosion caused by appliances, pipelines and ancillary equipment using natural gas as energy or personal injury and property loss caused by natural gas leakage.

4) Housing subsidy guarantee: If the address stated in the insurance policy is damaged due to a gas accident and the insured needs to rent a house temporarily, the insured shall be compensated for the cost of renting a house when he is away. Comprehensive liability insurance for natural gas pipelines and liquefied gas tanks

Of course, the compensation scope of each insurance is different, so we must know clearly before buying.

second, how can I make a correct claim?

In fact, an insurance contract is an agreement between the insured and the insurer to stipulate the insurance rights and obligations. An insurance contract has legal effect. Generally speaking, regular insurance companies will not "unreasonably refuse to pay compensation" and will strictly perform according to the contract. The principle of insurance companies' claims settlement is "neither willing to pay nor excessive compensation".

Therefore, as long as the insured completes the following aspects, they don't have to worry about claims settlement.

1) before insurance: determine the insurance type

when buying insurance, you should carefully check what this product guarantees and what it does not guarantee. Take the simplest and cheapest accident insurance as an example. There is no hospitalization allowance in the terms. If you take the contract to claim the hospitalization allowance, the insurance company will cry for you. Different types of insurance cover different contents. Therefore, before taking out insurance, we must first clearly understand the functional differences of various types of insurance, and reasonably purchase and match insurance.

2) Before insurance: Make clear the scope of protection

There are certain differences in protection responsibilities for the same insurance type. Before insurance, you should know the specific insurance responsibilities of the insurance type you choose, that is, under what circumstances the insurance will compensate you. For example, according to the seriousness of the disease, the critical illness insurance is divided into severe, moderate, mild and specific diseases. For example, medical insurance covers the difference between the medical insurance catalogue and the medical insurance catalogue. Only if it meets the corresponding definition can it be finally compensated.

3) When applying for insurance: read the insurance clauses carefully

Insurance clauses are an important basis for claims settlement. Even products of the same type will have differences in claims settlement due to different clauses, especially the insurance liability clauses and exemption clauses in insurance contracts. Please read them carefully.

4) When applying for insurance: tell the truth

You need to tell the truth when purchasing all kinds of insurance, especially health information, such as medical insurance and critical illness insurance. Whether it is filled in truthfully or not directly affects the follow-up claims.

5) After the accident: submit for approval according to the regulations

Of course, the ultimate purpose of buying insurance is not to get out of danger, but if you really have an accident, how should you apply for compensation? First of all, the claims of insurance companies are very standardized and strict, and they are strictly implemented in accordance with the insurance contract. Therefore, after the accident, you should refer to the insurance contract or the official claim service guide in time to start the claim application process.

Secondly, it is necessary to pay special attention to the fact that the claim application materials are the basis for insurance companies to make claims. The more complete the materials, the higher the efficiency of claims. Generally, the relevant procedures can be consulted through the national unified customer service telephone number of the insurance company or the insurance agent.

if you are still confused about the complicated scope of claims and claims process, don't hesitate to consult a professional insurance broker! Believe in their professional quality, it will help you make an all-round evaluation and tailor a set of programs that are most suitable for you.

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