Yes, some of you might think that insurance can only give promises without any evidence. However, have you ever prove it? If not, maybe you should join insurance first, recently proved whether the insurance company (PA) you pick or included.
The case of the PA which arsenal should be seen a case by case, not generalized. That is to say, not just because of one PA does not keep promises, then you assume all PA Nah right. Do not give insurance money by a PA could be due to many things. What are the causes of money life Insurance Coverage is not paid to the customer.
THE FAULT OF THE CUSTOMER
Not all of the claims payment failure caused by PA. It could also cause was his own client. Generally there are five client errors that could lead to insurance money is not paid:
1. The customer's Dishonesty.
Before someone has a life insurance product, he first must fill out a letter Filing life insurance (SPAJ) insurance. In SPAJ there are questions that must be answered by a prospective customer, and from those answers that PA will see if life insurance protection will give it to you or not.
Well, when you're filling SPAJ this is often a prospective customer does not give the correct answer. For example, in the question of whether there are SPAJ you ever treated in HOSPITAL in the past two years. If you answered no — but never cared for at the HOSPITAL six months ago for example-then if there is a death on the PA and You find that Your cause of death is due to a disease that never make you go in the HOSPITAL about six months ago, well ... don't please PA will pay UP they promised.
2. The existence of exceptions by the PA in paying the sum assured.
Sometimes the soul not PA provides benefits they promised when it turns out that the cause of death you are indeed excluded (and exceptions were written in the policy). About these exceptions, generally the PA set the number of exceptions. However, the General is:
Death due to suicide
Death because the person concerned did a criminal offence
Deaths due to AIDS
Death due to critical illness, where death occurs in the first year she attends an insurance program of PA in question
Death due to force majeure, or things that are indeed unavoidable, such as war, natural disaster, or rioting.
Well, often the exemptions contained in the insurance policy that is not readable by customers, so he felt aggrieved when the Insurance Coverage is not paid Money. Therefore, if you have an insurance policy, squeeze again to read the articles that are in the policy.
3. The customer too long make a claim
Generally, the PA set a limit on the time of filing insurance claims. Typically, the set time limit is three months. Fuss, customers often claim outside of the time limit, so it's hard to pay PA.
For example, your husband to follow a Program of life insurance with you as his heir. If there is a death on your husband, then you can only get the promised insurance benefits when filing your claims are still within the time limit of three months after the death. If not, the insurance company may not want to provide the benefits they promised.
Now, how can you know a long time restrictions given by the PA You in filing a claim of death? You can read it on Your insurance policy. After that, if it happened later risk of death, immediately submit his claim to the PA.
4. The terms when making claims of less complete
PA usually ask a number of requirements when filing a claim when the true risk of death in people who are covered. Requirements that are often not met or come by the heirs of the customer, so the PA certainly cannot directly pay their claims.
Typically, the requirements requested by the PA when you want to make a claim of death are:
The certificate of death of RT/RW local
Certificate of the accident from the police (if the death occurred because of an accident)
Affidavits from RS (if the death occurs in a HOSPITAL), where the letter was signed by the doctor concerned
Fill out the form for making claims, published by PA
Photocopy Of Identity The Beneficiary.
So, if there is a risk of death, do not forget to fulfill all the requirements requested by the PA. The baseball hard, right?
5. Do not give a premium by the customer within the period prescribed
This is already clear. If you do not pay the appropriate premium specified time period, Your insurance policy may be invalid. This means, you are no longer protected the insurance. This is what often happens. In the early, diligent clients pay a premium, but at a certain moment, the premiums are no longer paid, even up to a certain age.
This is just the same as if you put electricity and do not pay it within the time limit specified, so that your electricity at home threatened disconnected by PLN. Hence, make sure you know the rules of your premium payments. Do not let Your insurance policy being invalid simply because you forgot to pay your premium on time.
THE FAULT OF THE PARTIES INSURANCE COMPANY
Aside from the side of the customer, not give insurance money can also be caused by an error caused by the PA. There are several actually, but it is common there are only two:
1. Dishonesty insurance agents in presenting their insurance products
Your insurance Agent can just not honest in presenting his life insurance products. For example, when met, he said that the PA will pay UP when life insurance critical illness caused the death, including when the risk occurs in the first year. Though it is generally not the case.
Indeed, not every PA had the same policy. So my advice, what do you see in Your insurance policy that is what should be used as a reference, rather than what is said to be an insurance agent. Generally PA gives a kind of money-back guarantee if it turns out you're not satisfied against the articles provided in the policy.
You can restore your polisnya, and your money will be returned. Of course, as long as the refund policy that is within the period of time set by the PA, which is usually 30 to 90 days. Then, if all the insurance agents are not to be trusted? Yes, baseball, dong. That, right back to his people. Don't because there is one agency that ' baseball bener ', then You equate all insurance agents in this world ' is not really '. Once again, it all goes back to the character of each.
Well, to prove whether the presentation is given true life insurance Agent, you can match only with insurance policies issued. When the same Insurance Agent, means you are indeed honest and trustworthy. If not, please report any time he's on his insurance company.
2. His errant
If it turns out that you have met all the requirements asked, honest in filling out SP, diligently pay a premium, submitting the filing of claims still in the specified period of time, but your claims have still not been paid, please check again. It could just be his recalcitrant. Immediately report to the authorities if required.
