Insurance Claim Process

1.Claims procedures: when the applicant lodges a claim foe medical treatment, he/she shall fill in Insurance Claims Application with the seal and then give the relative materials to the service commissioner of insurance company.

2.Claims effectiveness: After taking the claims application, insurance company should finish claims within 15 working days and transfer the indemnity into the individual account of the insurer, or the insured can draw the benefits from the counter directly.

3.Forms Required in Claims

The out-patient or in-patient insurance application

The insured fills in the benefits claims application as the applicant and applies to the insurer for insurance with the following materials:

(1) Insurance policy or the other insurance documents;

(2) ID certificate of beneficiary;

(3) Duplicated documentation of the case history, diagnosis certificate, brief summary of leaving hospital, prescription and the original certificate of medical expenses issued by the hospital;

(4) Any other certificates and documents can be provided to prove the nature and cause of the insurance accident;

Remarks: the medicine invoice bought in drug store or in the other hospital shall not be included.

Validity of claims

The insured should apply for in-patient or out-patient and emergency medical benefits within 3 months. Any legal consequences otherwise are borne by the insured.

Notes in Claims

The information about case condition, inspection, treatment, medicine and dosage should be identified in the case history; the charged project in the receipt should be the same as the record in the case history; the date receiving treatment in the case history should be the same as that in the receipt.