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The Process for Submitting a Personal Accident Insurance Claim

After buying your own personal accident insurance, it's natural to ask questions about how the policy works and want to learn the correct procedures for your convenience.

Here are some important points to note so that your personal accident insurance claim is not difficult, along with several reasons why your claim is potentially difficult to be approved by the insurance company.

How to Make a Personal Accident Insurance Claim?

The process of filing a claim with an insurance company can be frustrating if you don't prepare the materials needed, or if you don't recognize the procedure. You should have a minimum of basic knowledge about death claims and accident claims.

In the case of an accident covered by your policy, you must inform the insurance company and take the claim form. Fill in details and include medical reports, bills, and other documents relating to your accident. Note, time is very important, and the time-lapse in claim settlement can be difficult for you. So pay close attention to the provisions in the policy stating the time period and other conditions.

To proceed with the death claim, what is important is to send the police report and other relevant documents to the insurance company. Also, the claim form must be filled in and sent together with the requested documents (for example, in this case, death certificate). The person sending these documents must check to avoid rejection or postponement of the claim.

What are the main factors in rejecting your claim?

Lack of information material.  Your supporting documents included with your claim are perhaps the most crucial aspects of the claim process. These documents are a source of evidence, and when there is not enough material to prove your claim, the insurance company has difficulty providing compensation for you. Even worse, if your information is misleading or wrong, your claim can be considered null and void. There are even a number of situations where these parties have to deal with lawsuits.

Misunderstanding on the part of policyholders. You claim compensation for something that should not be covered. Surely it is not surprising that there are cases where the insured or an illness experienced by the insured is not protected by the policy. An exclusion clause should be read carefully and fully understood. Negligence on your part is clearly not the responsibility of the insurance company.

What If You Are Not Satisfied With Claims?

If you are not yet satisfied with the settlement of a claim or failure of the insurance company in providing compensation, there are several alternatives to seek help:

File a complaint. Since the insurance customer protection agency in Indonesia, the Policy Insurance Agency (LPP), has not yet been formed, you can file an official complaint through an insurance agent, or through your insurance company's customer service.

Get legal assistance.  If you believe you have been harmed or there is a breach of contract, bringing the matter to court can be an alternative solution. Whatever path you choose, if the claim is indeed valid, you don't need to worry.

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