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Does mutual insurance not cover claims

Time: May 10th, 2024 label: Financial insurance Insurance claims Reading: 1464 people

Lawyer's analysis:

Problems in claims settlement of mutual insurance
Mutual insurance is an institutional arrangement based on the mutual protection of members. Its idea is to gather a group of people with the same beliefs and pursuits to achieve the purpose of common protection by sharing risks and supporting each other. The emergence of this kind of mutual insurance business aims to overcome the limitations of the traditional insurance industry in many aspects, such as the scope of protection and payment of fees, and is committed to providing more extensive and diversified insurance protection for the general public.

Legal basis:

Article 28 of the Social Insurance Law: Medical expenses that meet the requirements of the basic medical insurance drug catalogue, diagnosis and treatment items, medical service facility standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with national regulations.

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Lawyers' answers

ask Compensation scope of third-party liability insurance

The compensation scope of the third party liability insurance usually includes the following aspects: personal injury of the third party: if the insured's behavior causes the injury of the third party, the insurance company will, according to the victim's medical expenses, lost time expenses, nursing expenses, disability compensation, death compensation and other losses

Legal Counsel

ask Does the natural disaster insurance company compensate

It depends on what your insurance contract says. If you buy insurance that includes natural disaster protection, it is like buying a comprehensive shield, and the insurance company must compensate according to the contract. It's like you ordered a portion of the seasoning Big Hamburg, and people have to give you enough meat and

Legal Counsel

ask What is the scope of accident insurance

General accident: medical expenses incurred during the insurance period due to the death or disability of the insured due to accidents, and outpatient or inpatient treatment due to accidents. Traffic accident: the insured takes a plane, train, ship or car as a passenger

Legal Counsel

Latest high-quality answers

Selected pictures and texts Pufa video Voice Answers

The beneficiary died before the insured, who should receive the insurance benefits

Legal Advisor

If the insurance beneficiary dies before the insured, and has not been replaced or the insured has not terminated the insurance, when the insured dies, the insurance company will regard the insurance indemnity as his heritage and pay it to the legal heirs of the insured as part of the heritage.

Views: one thousand and sixty-seven 2024-06-30
What are the insured of engineering insurance

Legal Advisor

This paper focuses on the policy holders in the engineering insurance, usually the general contractor or upstream contractor, who are the actual principals of the engineering project. In special cases, if the contractor is entrusted to insure, the cost shall be borne by the employer. The essence of engineering insurance is to provide protection for material losses and economic compensation liabilities of third parties that may be encountered by construction and installation projects.

Views: one thousand four hundred and fifty-one 2024-06-30
Under what circumstances can the insurer terminate the contract

Legal Advisor

When the insured wants to terminate the insurance contract, three conditions must be met: first, the applicant fails to truthfully inform the important information of the subject matter of insurance, which violates the principle of good faith; Secondly, the applicant intentionally or negligently conceals the matters to be informed; Finally, the concealed information has a decisive and substantial impact, enough to change the insurance company's perception of risk or affect premium pricing.

Views: one thousand three hundred and fifty-one 2024-06-30

Can we get compensation by buying insurance to conceal the condition of hepatitis B

Qu Quanfang, lawyer

It can not be compensated after 2 years of concealing hepatitis B insurance. If the insurer asks about the subject matter of the insurance or about the insured, the applicant shall truthfully inform the insurer. The insurer has the right to terminate the contract if the applicant fails to perform the obligation of truthful disclosure as specified in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision on whether to accept the insurance or increase the premium rate.

Play volume: six hundred and nineteen 2022-06-07
Can I get compensation for lying about not having hepatitis B when I buy insurance

Qu Quanfang, lawyer

It can not be compensated after 2 years of concealing hepatitis B insurance. If the insurer asks about the subject matter of the insurance or about the insured, the applicant shall truthfully inform the insurer. The insurer has the right to terminate the contract if the applicant fails to perform the obligation of truthful disclosure as specified in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision on whether to accept the insurance or increase the premium rate.

Play volume: one thousand three hundred and ninety 2022-06-07

24″

How to deal with the death of the insured after payment

Sheng Xinyin

If the beneficiary and the applicant are the same person, the beneficiary will not

Listening volume: eight hundred and fifty 2020-01-14
56″

How to deal with the death of financial insurance policyholder

Sheng Xinyin

If the applicant dies, you can negotiate with the insurance company to change the applicant. Generally, you can

Listening volume: eight hundred and three 2020-01-13
46″

What does insurance subrogation mean

Sheng Xinyin

Refers to the insurance enjoyed by the insurer and the subrogation of the insured to cause damage to the subject matter insured

Listening volume: five hundred and sixty-eight 2020-01-13

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In the face of claims disputes, first negotiate in a friendly manner, clarify the claims and strive for explanation. Review the defense reasons of the insurance company, and timely feed back any questions. If the claim settlement is unreasonable, you can call 12378 to complain or submit information on the official website. The insurance company can complain or take legal action for breach of contract. Before insurance, please consider the risk of rejection of claims, truthfully inform and report in time, and prepare supporting documents to safeguard rights and interests.
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