Under normal circumstances, insurance companies will make claims if they meet the conditions and will not deliberately refuse to pay compensation. After all, refusing to pay compensation will affect the reputation and reputation of insurance companies, and may even lead to the review of the China Insurance Regulatory Commission.

Insurance companies cheat and refuse to pay compensation unreasonably. Then in this case, you must harden your heart. Don't be timid.

1, complaining about the insurance company. Since the insurance company refuses to pay compensation, the most direct way is to raise an objection to the insurance company and ask the insurance company to conduct self-examination, re-underwrite and make claims according to the contract.

2. Complain to the regulatory authorities. It is compulsory for all insurance companies to accept the supervision of China Banking and Insurance Regulatory Commission. So if you encounter the problem of refusing to pay compensation, you can also report it to the China Banking and Insurance Regulatory Commission. Mainly through these four ways:

Tel: Call the insurance consumer rights complaint hotline "12378" to complain.

Network: Complaint in the complaint column of CBRC or official website of China Insurance Regulatory Bureau. Letter: write a complaint and attach a copy of the claim case.

Visit: Go directly to the local banking regulatory commission, insurance regulatory bureau, insurance association and other institutions to complain.

3. Bring a lawsuit to the court

In general, about 9 1% of claims disputes do not need to go through litigation procedures, but if the first two methods still can't solve the problem, you can also bring a lawsuit to the court. However, it should be noted that there is also a time limit for bringing a lawsuit, and it is impossible to bring a lawsuit beyond the corresponding prescribed time. Because according to the insurance law, the limitation of action for the insured or beneficiary of insurance other than life insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knows or should know that the insurance accident happened. The limitation of action for the insured or beneficiary of life insurance to request the insurer to pay the insurance money is five years, counting from the day when he knows or should know the occurrence of the insurance accident.

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