Not all failures are caused by claims payments Insurance Company. It could also cause the customers themselves. Generally there are five mistakes that can lead to customer insurance money was paid:
1. Customer Dishonesty
Before someone has a Life Insurance product, he first must complete Application Insurance. In the Application are the questions that must be answered by a prospective customer, and from the answers that Insurance Companies will see if it will provide Life Insurance protection for you or not. Now, when filling out this Application prospective customers often do not provide the correct answer. For example, in Application there are questions about whether you’ve
treated in hospital in the last two years. If you answer no – but never admitted to the House Sskit six months ago for example – so if there was a death in your Insurance Company and find that you are the cause of death due to disease ever makes you go hospital about six months ago, do not expect Insurance Company Sum Insured will pay what they promised.
2. The existence of an exception by the Insurance Company to pay money
Sometimes Liability Insurance Company does not provide the benefits they promised if you were the cause of death was excluded (and the exception was written in the policy). Regarding these exceptions, generally the PA set the number of exceptions vary. However, generally are:
- Death due to suicide
- Death due to that person committed a crime
- Deaths due to AIDS
- Death due to critical illness, where the death occurred in the first year she joined the insurance program of the PA concerned
- Death due to force majeure, or the things that can not be avoided, such as war, natural disasters, or civil commotion Often
exceptions contained in the policy did not read by the customer, so he felt disadvantaged when the Sum Insured not paid insurance. That’s why, if you have an Insurance Policy, sempatkan again to read the articles contained in the policy.
3. Customers too long make a claim
Generally, the PA set limits for filing claims asuransi.Biasanya, a set time limit is three months. Fuss, customers often make a claim outside the time limit, so the PA hard to fill. For example, your husband follow a Life Insurance program with you as his heir. In the event of death of your husband, then you can only get the promised insurance benefits when filing your claim is still within three months after the death. If not, insurance companies may not want to give the benefits they promised. Now, how do you know long time limit provided by your insurance company in filing a claim for death? You can read it on your Insurance Policy. After that, if it really happens later risk of death, immediately add a claim to the Insurance Company.
4. The requirements when filing a claim is less complete
PA usually ask a number of requirements when filing a claim if it did occur the risk of death in people who are covered. Requirements that are often not met or completed by the customer heirs, so that insurance companies would not be directly paying their claims.
Usually, the requirements requested by the insurance company if you want to make a claim of death are:
4.1. Death Certificate from the neighborhood of local
4.2. Accident Certificate from the Police (if death occurred due to accident)
4.3. Certificate of House Sskit (if death occurs in hospital), where the letter was signed by the doctor concerned
4.4. Claim Submission Form Filling issued by Insurance Company
4.5. Photocopy of Identity Self Heir So, if there is risk of death, do not forget to meet all the requirements demanded by the Insurance Company.
5. Not pay the premium by the customer within the time prescribed
This is obvious. If you do not pay premiums according to the specified time period, could have your Insurance Policy to be no longer valid. This means, you are no longer protected by insurance. This is what often happens. In the early days, customers pay a premium diligent, but at a certain moment, the premium no longer paid, even until a certain time limit. This is the same as if you use electricity and do not pay within a certain time limit, so your electricity disconnected at home is threatened by PLN. Therefore, make sure you know your premium payment rules. Do not let your Insurance Policy to be invalid merely because you forgot to pay premiums on time.
1. Customer Dishonesty
Before someone has a Life Insurance product, he first must complete Application Insurance. In the Application are the questions that must be answered by a prospective customer, and from the answers that Insurance Companies will see if it will provide Life Insurance protection for you or not. Now, when filling out this Application prospective customers often do not provide the correct answer. For example, in Application there are questions about whether you’ve
treated in hospital in the last two years. If you answer no – but never admitted to the House Sskit six months ago for example – so if there was a death in your Insurance Company and find that you are the cause of death due to disease ever makes you go hospital about six months ago, do not expect Insurance Company Sum Insured will pay what they promised.
2. The existence of an exception by the Insurance Company to pay money
Sometimes Liability Insurance Company does not provide the benefits they promised if you were the cause of death was excluded (and the exception was written in the policy). Regarding these exceptions, generally the PA set the number of exceptions vary. However, generally are:
- Death due to suicide
- Death due to that person committed a crime
- Deaths due to AIDS
- Death due to critical illness, where the death occurred in the first year she joined the insurance program of the PA concerned
- Death due to force majeure, or the things that can not be avoided, such as war, natural disasters, or civil commotion Often
exceptions contained in the policy did not read by the customer, so he felt disadvantaged when the Sum Insured not paid insurance. That’s why, if you have an Insurance Policy, sempatkan again to read the articles contained in the policy.
3. Customers too long make a claim
Generally, the PA set limits for filing claims asuransi.Biasanya, a set time limit is three months. Fuss, customers often make a claim outside the time limit, so the PA hard to fill. For example, your husband follow a Life Insurance program with you as his heir. In the event of death of your husband, then you can only get the promised insurance benefits when filing your claim is still within three months after the death. If not, insurance companies may not want to give the benefits they promised. Now, how do you know long time limit provided by your insurance company in filing a claim for death? You can read it on your Insurance Policy. After that, if it really happens later risk of death, immediately add a claim to the Insurance Company.
4. The requirements when filing a claim is less complete
PA usually ask a number of requirements when filing a claim if it did occur the risk of death in people who are covered. Requirements that are often not met or completed by the customer heirs, so that insurance companies would not be directly paying their claims.
Usually, the requirements requested by the insurance company if you want to make a claim of death are:
4.1. Death Certificate from the neighborhood of local
4.2. Accident Certificate from the Police (if death occurred due to accident)
4.3. Certificate of House Sskit (if death occurs in hospital), where the letter was signed by the doctor concerned
4.4. Claim Submission Form Filling issued by Insurance Company
4.5. Photocopy of Identity Self Heir So, if there is risk of death, do not forget to meet all the requirements demanded by the Insurance Company.
5. Not pay the premium by the customer within the time prescribed
This is obvious. If you do not pay premiums according to the specified time period, could have your Insurance Policy to be no longer valid. This means, you are no longer protected by insurance. This is what often happens. In the early days, customers pay a premium diligent, but at a certain moment, the premium no longer paid, even until a certain time limit. This is the same as if you use electricity and do not pay within a certain time limit, so your electricity disconnected at home is threatened by PLN. Therefore, make sure you know your premium payment rules. Do not let your Insurance Policy to be invalid merely because you forgot to pay premiums on time.
July 21st, 2010 at 2:48 am
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