Yes, some of you might think that insurance can only make promises with no proof. However, if you've ever prove it? If not, maybe you should take insurance first, then prove whether Insurance Company (PA) You did break a promise or included good.Cases PA that broken promise should be seen case by case, do not be generalized. That is, not only because the PA does not keep promises, then you consider all of the PA is not true. Non-payment of insurance money by a PA could be due to various reasons. What are the causes of Sum Assured Life Insurance is not paid to the customer.
ERRORS OF ANY CUSTOMERNot all failures payment of claims caused by the PA. Can also cause is the customers themselves. Generally there are five mistakes that can lead to customer insurance money is not paid:1. Customer Dishonesty.Before a person has a life insurance product, he first had to fill Filing Letter Life Insurance (SPAJ) Insurance. In SPAJ there are questions that must 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.Well, when filling SPAJ is often the prospective customer does not give the correct answer. For example, in SPAJ there are questions about whether you ever been treated in hospital in the last two years. If you answered no - though never admitted to the hospital six months ago, for example - then the event of death on you and the PA found that the cause of your death is due to a disease that never gets you into the hospital about six months ago, well ... do not expect PA UP will pay what they promised.
2. The exception from the PA to pay the sum insured.Sometimes PA soul does not provide the benefits they promise you if it turns out the cause of death is excluded (and the exception is written in the policy). Regarding these exceptions, generally PA specify the number of exemptions varies. However, generally are:
* Deaths due to suicide
* Deaths due to the person concerned committing a crime
* Deaths due to AIDS
* Deaths due to critical illness, where the death occurred in the first year she joined the insurance program of the PA concerned
* Deaths due to force majeure, or things that can not be avoided, such as war, natural disaster, or a riot.Well, often exclusions contained in the policy was not read by the customer, so that he felt aggrieved when the sum insured insurance is not paid. Therefore, if you have an insurance policy, a time anymore to read the chapters contained in the policy.
3. Customers too long to make a claimGenerally, PA set a time limit of filing an insurance claim. Typically, the set time limit is three months. Unfortunately, customers often make a claim outside the time limit, so the PA hard hits.For example, your husband follow a Life Insurance program with you as his heir. In the event of the death of your husband, then you can only get insurance benefits promised when filing a claim you are still within the time limit of three months after the death. Otherwise, the insurance company may not be willing to provide the benefits they promise.Now, how can you know the old time limits given by PA you in filing a death claim? You can read it on your insurance policy. After that, the next well of risk of death, immediately file a claim to the PA.
4. The terms of the time of filing the claim is less completePA usually ask a number of requirements when filing a claim, if true of risk of death in people who are covered. The requirements that are often not complied with or furnished by the heir of the customer, so that the PA would not be directly pay their claims.Typically, the requirements demanded by the PA if you want to file a death claim is:
* Certificate Death of RT / RW
* Certificate of Police Accident (if death occurs due to an accident)
* Certificate of RS (if death occurred in RS), where the letter was signed by the doctor concerned
* Claim Form issued by the PA
* Copy of Identity Heir.So, if there is a risk of death, do not forget to fulfill all the requirements demanded by the PA. Nah hard, right?
5. No premium paid by the customer within a specified timeIt is already clear. If you do not pay premiums according to the specified time period, your insurance policy may be void. This means, you are no longer covered by insurance. This is what often happens. In the early days, the customers diligently pay a premium, but at a certain moment, premiums are no longer paid, even up to a certain time limit.It's just the same as if you use electricity and do not pay within a certain time limit, so your electricity at home threatened by PLN disconnected. Therefore, make sure you know the rules of your premium payments. Do not let your insurance policy is not valid just because you forgot to pay your premiums on time.
ERRORS OF ANY INSURANCE COMPANYIn addition to the customer side, non-payment of insurance money can also be caused by errors caused by PARTY PA. There are a few actually, but that is common there are only two:1. Dishonesty Insurance Agency in presenting its insurance productsIt could be your insurance agent is dishonest in presenting his Life Insurance products. For example, when met, he said that the PA would pay Life Insurance UP when death is caused 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 that is what should be used as a reference, instead of what is said Insurance Agent. PA generally provide some sort of a Money Back Guarantee if it turns out you are not satisfied with the provisions contained in the policy.You can restore the policy, and your money will be returned. Of course, during the return policy that is within certain time limits set by the PA, which is usually 30 to 90 days. Then, if all the insurance agent can not be trusted? Yes, baseball, dong. It was, right back to the person. Do not because there is one agent that 'baseball Ko' and then you say that all insurance agents in the world is 'not right'. Again, it all comes back to the character of each.Well, to prove whether a presentation given Life Insurance Agent true, you only live match with Insurance Policy issued. If the same, then your insurance agent is honest and trustworthy. If not, report it just him on his insurance company.2. His company waywardIf you find that you have met all requirements, be honest in filling SP, diligently paying a premium, to submit a claim is still within the prescribed period, but your claim is still not paid, check again. It could be the company that stubborn. Immediately report to the authorities if necessary.
source:http://www.artutbus.com/artikel32-7_Penyebab_Uang_Asuransi_tidak_dibayar.html
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