{"id":790,"date":"2022-05-12T20:45:46","date_gmt":"2022-05-12T12:45:46","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=790"},"modified":"2024-07-03T17:05:18","modified_gmt":"2024-07-03T09:05:18","slug":"practical-tips-for-handling-a-life-insurance-claim-denial-by-an-insurance-company","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/farewell-to-life\/life-insurance\/practical-tips-for-handling-a-life-insurance-claim-denial-by-an-insurance-company\/","title":{"rendered":"Practical tips for handling a life insurance claim denial by an insurance company"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post Breadcrumbs&#8221; module_class=&#8221;breadcrumbs&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||30px||false|false&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;on&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row 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_builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<div style=\"\" class=\"wpavefrsz wpavefrsz-shortcode wpavefrsz-theme-dark\"><span class=\"wpavefrsz-text\" aria-label=\"\"><\/span><span class=\"wpavefrsz-minus\" tabindex=\"0\" aria-label=\"Decrease text size\" title=\"Decrease text size\" role=\"button\">-<\/span><span class=\"wpavefrsz-plus\" tabindex=\"0\" aria-label=\"Increase text size\" title=\"Increase text size\" role=\"button\">+<\/span><span class=\"wpavefrsz-reset\" tabindex=\"0\" aria-label=\"Reset text size\" title=\"Reset text size\" role=\"button\">=<\/span><\/div>      [\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Content&#8221; module_id=&#8221;content&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;50px||50px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title author=&#8221;off&#8221; date=&#8221;off&#8221; comments=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][et_pb_text _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ol type=\"1\">\n<li>To handle a life insurance claim denial, you first have to find out why the claim was denied. Be sure to review carefully your case and the terms of the Life Insurance Policy in question. The Life Insurance Policy explains what the insurance company covers and the exclusions.<\/li>\n<li>If you feel aggrieved, you may approach the insurer concerned to lodge a complaint. You may speak to a representative about your claim and ask for the reasons for denial. This will give the insurer concerned a chance to look into the matter with a view to resolving your complaint at an early stage.<\/li>\n<li>If you have any omissions in respect of your claim procedure, seek clarification and rectify them. If your claim is denied for another reason, ask for an explanation and the specific steps needed to appeal your claim.<\/li>\n<li>Act in a timely manner. Respond immediately to all correspondence initiated by the insurance company. Many insurance companies have a time limit for contesting the claim.. Pay attention to the prescribed time limitation, if any, contained in the policy.<\/li>\n<li>If you feel aggrieved by your insurer having declined or inadequately paid your claim, the policy usually provides a procedure for arbitration as a method for settling disputes.<\/li>\n<li>You can file a complaint with the Insurance Complaints Bureau (&#8220;ICB&#8221;). The Insurance Claims Complaints Panel appointed by the ICB will handle the complaint by way of adjudication. The Panel&#8217;s decision is binding only on the insurer, not the claimant.<\/li>\n<li>If you still feel aggrieved after the Panel&#8217;s decision, you can resort to arbitration or litigation.<\/li>\n<li>You are strongly recommended to consult your lawyer if you are in doubt about any of the above.<\/li>\n<\/ol>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To handle a life insurance claim denial, you first have to find out why the claim was denied. Be sure to review carefully your case and the terms of the Life Insurance Policy in question. The Life Insurance Policy explains what the insurance company covers and the exclusions.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false},"categories":[57],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Practical tips for handling a life insurance claim denial by an insurance company - Senior CLIC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/seniorclic.hk\/en\/topics\/farewell-to-life\/life-insurance\/practical-tips-for-handling-a-life-insurance-claim-denial-by-an-insurance-company\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Practical tips for handling a life insurance claim denial by an insurance company - Senior CLIC\" \/>\n<meta property=\"og:description\" content=\"To handle a life insurance claim denial, you first have to find out why the claim was denied. 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