Causes of Delays in Insurance Claim Process
Sometimes we as Insurance users experience some problems in using Insurance services, What often happens is delays. This problem often occurs wherever it makes them interested in registering for insurance. The more people who need insurance, the greater the opportunity for Indonesian insurance companies to get insurance participants.
The problem of delays in an insurance service also has an impact on the increasing number of insurance companies established in Indonesia. Even so, in general the products offered between one insurance company and another insurance company are not much different. The differences that are usually offered by insurance companies to prospective participants are the calculation system and several other provisions, one of which is regarding insurance claims.
In a fast and easy claim process, one of the important things that is taken into consideration when prospective participants register to become insurance participants. In reality, it often happens that insurance participants have to wait for the claim process for quite a long time.
With long-standing problems, of course this is very troublesome, especially if the insurance money is really needed. Delays in the insurance claim process are generally caused by several things, both internal factors (insurance companies) and external factors (insurance participants).
What are the tips to overcome this problem?
How much coverage of delay problems can be overcome in two ways, namely in the form of Internal and External, this method will likely help you overcome the problem of delays in using Insurance services.
1. Fix In Internal Part
In some delay factors, this often occurs in the less organized management system section which will make the claim process hampered. In addition, this condition will make insurance participants feel difficult to ask for accountability or ask for information about the status of the claim they have submitted.
Therefore, use insurance services that provide trusted services with a guaranteed system so that insurance services with high trust from users will usually provide good management in providing services to users.
2. Fix On External Part
Try to pay attention to the contents of the policy on the Insurance Service you are using, Usually the policy will be divided into 2, namely the policy that is still in the waiting period and the policy that has passed the waiting period. Policies that are still in the waiting period, usually will take longer for the claim process. Claims submitted will be further analyzed before being approved by the insurance company.
Meanwhile, if the policy has passed the waiting period, the claim process will usually take a relatively faster time. In addition, the completeness of the documents when submitting a claim also affects the length of the claim process. If the documents provided during the claim process are complete, the claim will be processed faster. In some cases, the claim process is hampered due to a lack of supporting documents.
In some insurance companies that immediately provide information to insurance participants to immediately complete the documents, but there are some that do not provide any information and only stop the claim submission process. In this case, information about the lack of documents is informed when the insurance participant asks about the status of his insurance claim.
Closing
Hopefully this article can help many people out there about the importance of car insurance for you to know for the present or the future, remember to use a trusted insurance service that has been used by many people, because of the danger of fraud under the guise of insurance.