China's "Insurance Law" stipulates that the limitation of claim for life insurance is five years, and the insured or beneficiary of life insurance fails to exercise the right to ask the insurer for payment of insurance benefits within five years from the date of knowing the occurrence of the insurance accident.

Process of life insurance claim:

First, report the case. Under normal circumstances, the insured shall notify the insurance company within 10 days after the occurrence of the insurance accident, but due to the different claims limits of various types of insurance, it is necessary to report the case in time according to the provisions of the insurance contract to prevent their own interests from being lost. After reporting the case, the insurance company or salesman will inform the customer whether the accident falls within the scope of insurance liability.

Second, prepare the required documents. In order to protect the interests of all policyholders and prevent fraud, the insurance company will definitely require the insured to explain the details and provide evidence of loss within the specified time. No matter what kind of insurance, the beneficiary must prepare the original insurance policy, the original identity documents of the insured and the beneficiary, and the invoice for the latest premium payment.

Third, prepare a list of medical practitioners. If the insured has basic medical insurance and social security has reimbursed a part of it, then when claiming from the insurance company, it is also necessary to show the medical expense reimbursement split sheet issued by social security, and indicate the total medical expenses paid and the expenses paid by social security, and submit it to the insurance company together with the original copy, and the insurance company will make claims within the remaining medical expenses according to the above materials.

Fourth, carry out accident investigation and distribute insurance money. When all the information is collected, the claims department of the insurance company begins to investigate related matters. If the insured conceals the medical history when applying for insurance, or the insured does not have his own signature, it will bring obstacles to the smooth progress of claims.

Finally, in the case that the insurance company has found nothing wrong, the amount of compensation is determined by audit calculation, and the customer is notified to receive the insurance money.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.