Understanding about insurance is not easy, because there are many things that need to be observed. Especially if you want to file an insurance claim. So that you don’t feel cheated because your insurance claim is rejected, we must both understand how insurance claims work. The best insurance you can find out on playtech.
1. Make sure your data is correct
The personal data that you fill in when registering for insurance is one of the crucial things during the claim process. This data can include full name, address, contact number, age, health condition, and more. If the insurance company finds that there is data that is different from that stated in the policy, then the company will have the right to reject the claim you submit.
2. Your policy must be active
When submitting a claim, the insurance policy must be in an active state. This means you can’t stop paying premiums in arrears. If you do not pay within the specified time, your policy will be declared lapsed or void. In the void position, it is possible that your claim will be rejected. Therefore, don’t forget to pay your premium.
3. Already past the insurance waiting period
Some types of insurance have a waiting period, usually for health or critical illness insurance. The waiting period is the period when the insurance is not yet active. This waiting period is useful for reducing cases of pre-existing conditions, or cases of people who are already sick before getting insurance.
So for example, you buy Super Strong critical illness insurance on January 1, 2020 and the waiting period is 1 year. Then you can only submit a claim starting from January 2, 2021.
Therefore, it’s a good idea to double check whether the type of insurance you have has a waiting period. Some other types of insurance, such as Super Safe accident insurance, have no waiting period at all.
4. Find out what cases can be claimed
When buying insurance, you must be thorough and careful in checking the benefits and functions of the insurance provided. Maybe they include medical expense coverage, but what is this medical expense for? Can it be outpatient or only for inpatient? Can it cover treatment or lab test results? There are certain conditions in your insurance benefits, so check more carefully!
For example, reimbursement of medical expenses. Reimbursement of medical expenses due to accidents is not only for Inpatient, but also for Day Surgery. However Treatment or Surgery Discharge Today must be within 24 hours of the Accident. By understanding the specific case, you can understand whether your case meets the criteria for filing a claim.
In addition, there is also an exception clause. Cases in this exception are not covered by insurance. For example, if it is proven that the Insured (the person whose life is insured) has died due to suicide, the Insurance Benefits cannot be claimed.
5. Submit a claim on time
Each insurance claim has a certain deadline for submitting a claim application. If you submit a claim late, your claim may be rejected. For example, if in your insurance policy it is stated that the claim application must be submitted within 30 calendar days, then it cannot be later than 30 days.
If you miss it, unfortunately you can’t claim the protection benefits that should be yours. Make sure you and your heirs know about this insurance deadline so you don’t miss it, SUPERjuang Friend!
6. Collect Documents Completely
There are various kinds of documents that you must collect when submitting a claim. This document must be complete and filled out correctly. If there is even one wrong information or incomplete document, then your insurance claim can be rejected.
You can check the required documents on your insurance policy. If you have Super You insurance, you can check it online by looking at the Claim menu, selecting the type of claim you want to submit, and checking the claim procedure and required documents.
7. The incident occurred during the protection period
The risk that occurs must be within the protection period. If this risk has occurred before the active period of insurance or after the active period of insurance, then the claim cannot be submitted. The way insurance works is only to protect you when the insurance itself is active.
If you get sick before you have insurance, this case is also called a pre-existing condition. If you buy insurance when you are sick, then the possibility of medical costs from diseases that occurred before the insurance cannot be covered. This is why people say provide insurance while still healthy and young.
8. The incident was not caused by a violation of the law
Cases caused by violations of the law are usually included in the exception. This means that if the Insured has an accident because he is running from a theft case, then the Insured accident insurance cannot be claimed.
9. The incident was not caused by the influence of alcohol or drugs
Just like in cases of breaking the law, the incident must not be caused by the influence of alcohol or drugs. This case falls under the exception as well. If the Insured suffers an accident due to driving under the influence of alcohol and dies because of it, it is unlikely that his life insurance claim can go down.
10. The case was accidental
Intentional cases, such as intentionally self-injury or burning one’s own house to obtain insurance benefits, will not be able to be claimed. Cases like this can even be regarded as insurance crimes or forms of insurance fraud.
If after investigation it is found that an incident was intentional, the insurance company will reject the claim submitted.
11. Make sure the location of the incident is in the insurance service area
Not all insurance services can cover all regions or countries. If you experience a risk outside the coverage area of the insurance service, then you may not be able to submit a claim.
For example, you have health insurance in Indonesia, but you fall ill while in Malaysia. If the health insurance service only covers Indonesia, then you cannot submit an insurance claim.
Therefore, it’s a good idea to re-check how wide the coverage area of the insurance service you have.
Smooth the Claim Process!
Hopefully this way, SUPERjuang Friends can better understand what you can and can’t do when submitting an insurance claim. If you do the insurance claim method correctly, you can also get protection benefits from existing insurance.
The most important thing is that you are careful when studying insurance policies. If it is difficult to research one by one, you can try online insurance
Super You which is much easier to understand. The required claim documents and insurance policies are clear. Researching insurance policies is as easy as using Ctrl+F keys and entering keywords.