Injury insurance does not protect against injury or illness but allows you to get compensation if this still happened.
Not all insurances work the same way. Depending on the conditions, they cover different risks:
- injuries and serious illnesses;
All this is specified in conditions. The more risks are included in the insurance program, the more it costs.
What do you need for insurance payment?
The availability of insurance does not guarantee compensation. It is also necessary to prove that this is an insured event. We will talk about the main steps.
Be sure to record the fact and date of the injury: in the emergency room or at the doctor’s clinic. The medical history should then coincide with what you tell the insurance in the injury insurance claim;
Check what the doctor writes in the patients’ card and certificates – this information should coincide with the one specified in an injury claim;
Report injury on time. The term and method of notification is specified in the contract. When something happened, you need to inform the insurance. Some companies ask to call immediately, others accept claims within a certain period – it depends on the conditions of a particular insurer. The usual period is 30 days. There are exceptions when an insurer can forgive a delay. For example, if the victim could not get through to the insurance from another country or did not know that his or her injury is an insured event. You can report an insured event by phone, e-mail, or through a special form on the company’s website;
Collect documents. The insurance website has the detailed insurance terms a standard list of documents: a claim – you fill it out when contacting the insurance; applicant’s passport; details of the account to which you want to receive payment; medical documents confirming the types of injury and treatment received. You’d better immediately clarify what medical documents are needed for a specific injury. If you have a fracture, it’s enough to have a certificate from the emergency room and an extract from the medical record;
Send the entire package of documents to the insurer. Some companies pay compensation within 10 banking days after receipt of all documents. For other insurers, the term may be longer, but in any case, it is indicated in the contract. If any documents are missing, the insurer asks to send them.
Of course, the amount received depends on the terms of the insurance program.