My next door neighbor was often, offer insurance. But I was never interested in baseball. I think they just promise it ... "Yes, some of you may think that insurance can only give promises without any evidence. However, if you've ever prove it? If not, maybe you should take out first, prove whether the new Insurance Company (PA) You did break a promise or including the good.
PA cases that break a promise should be seen case by case basis, do not be generalized. That is, not only because of the PA does not fulfill the promise, then you consider all of baseball right PA. No payment of insurance money by a PA can be for many reasons. Well, this article will discuss what are the causes of Money Life Insurance is not paid to the customer.
ERRORS OF PARTY CUSTOMERS
Not every failure of payment of claims caused by PA. It could also cause the customers themselves. Generally there are five mistakes that can cause customers do not pay insurance money:
1. Customer Dishonesty
Before a person has a life insurance product, he first must complete an Application Letter (SP) Insurance. In the SP there are questions to be answered by a prospective customer, and from the answers that the PA will see whether it will provide life insurance protection to you or not.
Now, when filling SP is often the prospective customer does not give the correct answer. For example, in SP there are questions about whether you had been treated in hospital in the last two years. If you answer no - but never admitted to hospital six months ago for example - then in the event of death to you and PA found that the cause of your death is due to a disease that never makes you go hospital about six months ago, well ... do not expect the PA will pay UP they promised.
2. The exclusion by the PA to pay the sum assured
Sometimes Life PA does not provide the benefits they promised if it turns out the cause of your death are exempt (and the exceptions were written in the policy). Regarding these exceptions, generally the PA set the number of exceptions vary. However, generally are:
1. Death by suicide
2. Death because the person committing a crime
3. Deaths due to AIDS
4. Deaths due to critical illness, where death occurs in the first year she joined the insurance program of the PA concerned
5. Death occurs because of the things that can not be avoided, such as war, natural disasters, or civil commotion
Well, often exceptions contained in the policy was not read by the customer, so that he felt aggrieved when the sum is not paid by insurance. Therefore, if you have an insurance policy, consider and review again to read the articles contained in the policy.
3. Customers too long to make a claim
Generally, the PA set a time limit on filing insurance claims. Usually, the set time limit is three months. Fuss, customers often make a claim outside the time limit, so the PA is difficult to fulfill.
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 if your claim is within three months after the death. If not, insurance companies may be unwilling to provide the benefits they promised.
Now, how long you can know the time limits provided by the PA to make a claim you in death? You can read it on your Insurance Policy. After that, if it really happens later risk of death, immediately submit his claim to the PA.
4. The terms of the time of filing the claim is less complete
PA usually ask a number of requirements when filing a claim if it really happened the risk of death in people who are covered. Requirements that are often not met or completed by the heirs of customers, so the PA certainly can not directly pay their claims.
Typically, the requirements requested by the PA if you want to make a claim of death are:
1. Death Certificate from neighborhood local
2. Accident Certificate from the police (if death occurs by accident)
3. Statement from the RS (if death occurs in hospital), where the letter was signed by the doctor concerned
4. Claim Form issued by the PA
5. Copy of Self Identity Heir
So, if there is risk of death, do not forget to fulfill all the requirements requested by PA.Tidak difficult, right?
5. No premium paid by the customer within a specified time period
It was obvious. If you do not pay premiums according to the specified time period, your insurance policy may become void. 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 is 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 at home threatened termination by PLN.
Therefore, make sure you know your premium payment rules. Do not let your insurance policy become invalid just because you forgot to pay the premiums on time.
ERRORS OF THE PARTY INSURANCE COMPANIES
Apart from the customer side, do not pay insurance money can also be caused by errors caused by PARTY PA. There are several actually, but that generally happens only two:
1. Insurance Agents dishonesty in presenting insurance products
It could be your insurance agent is not honest in presenting his life insurance products. For example, when met, he said that the PA will pay UP Life Insurance when the deaths caused by critical illness, including when the risk occurs in the first year. Though generally not the case.
Indeed, not every PA has the same policy. So my advice, what you see in your insurance policy is what should be a reference, not from what is said Insurance Agents. Generally, the PA provided a Money Back Guarantee if it turns out you are not satisfied with the articles contained in the policy. You can restore her policy, and your money will be returned. Of course, during the return policy that are, within the specified time set by the PA, which is usually 30 to 90 days.
Then, if all Insurance Agent can not be trusted? Yes, baseball, dong. That, right back to the person. Do not trouble there is one agent who 'baseball right', then you equate all insurance agents in the world is 'not true'. Once again, it all returned to their respective characters.
Well, to prove whether the presentations Life Insurance Agent's right, you just match it with the insurance policy issued. If the same, meaning your insurance agent is honest and trustworthy. If not, he just reported on her insurance company.
2. His company is mischievous
If you find that you meet all the requirements requested, to be honest in filling SP, diligent in paying premiums, submitting a claim is still within the specified time period, but claim you are still not paid, check it again. It could be the company that bandel.x
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