Câu hỏi 432: Hồ sơ yêu cầu trả tiền bảo hiểm gồm những tài liệu, chứng từ gì?

Câu hỏi 432: Hồ sơ yêu cầu trả tiền bảo hiểm gồm những tài liệu, chứng từ gì?

         Trả lời:

DNBH chỉ có trách nhiệm bồi thường khi ngoài các bằng chứng đã tham gia bảo hiểm, người được bảo hiểm còn phải cung cấp các bằng chứng được yêu cầu dưới đây (Khi đó các hoá đơn, chứng từ sẽ thuộc sở hữu của DNBH):

– Các hoá đơn gốc;

– Các hoá đơn, chứng từ phải có tên bác sỹ, tên người được điều trị, loại bệnh, chủ tiết các mục điều trị và ngày điều trị, đơn thuốc phải kể tên thuốc rõ ràng, giá và hoá đơn có dấu của hiệu thuốc. Trong trường hợp điều trị răng, hoá đơn chứng từ phải nêu chủ tiết về chiếc răng được điều trị và cách thức điều trị;

– Khi yêu cầu bồi thường trường hợp di chuyển thi hài về nước hay mai táng ở nước ngoài phải nộp Giấy chứng tử theo quy định và phải có kết luận của bác sỹ về nguyên nhân chết. Khi yêu cầu bồi thường trường hợp hồi hương phải nộp các chứng từ do người bảo hiểm yêu cầu tuỳ theo từng trường hợp cụ thể. Các bản xác nhận y tế của những người thân thích hay vợ hoặc chồng sẽ không được chấp nhận;

– Người bảo hiểm có thể yêu cầu các hoá đơn chứng từ tiếng nước ngoài phải nộp kèm theo một bản dịch thích hợp. Chi phí dịch đó người giữ đơn bảo hiểm chịu.

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