Tutorials1927 - Tears Dhani (35) has not been dry since her husband's death weep. He's still upset because confused as to how to continue the day-to-day with his two sons who were aged 6 and 8 years old.
In the midst of the confusion as a single parent and live a new life without her husband, she still had to immediately take care of her husband's insurance claim. Her husband has four insurance policies from four different companies. Actually, he hoped insurance agent can help melting the claim. But, it turns out her husband bought two insurance policies from the company through the telemarketing system, there are two purchased from an insurance agent. Unfortunately, the insurance agent is absolutely no longer help melt the claim because it can no longer be contacted.
The insurance company requires various kinds of documents that must be attached to dilute the insurance claims. Because her husband died of illness at the hospital, the hospital of any document requested. It is not enough death certificate from the hospital, no insurance company requested death certificates.
"This deed must be made at the local civil registry, it took three weeks until the deed is so," complained Dhani.
Other insurance companies asking legalization identity cards carried out in villages, while other insurance companies do not need. There are also insurance companies that require proof of inheritance determination issued local religious courts. The religious court hearing schedule was not easy to obtain. In addition, there are insurance companies that require proof of the funeral of the Department of Cemeteries. "The form also vary, very thick, I had to go back and forth to the hospital care of various kinds of documents, as well as to various government agencies," said Dhani again.
As a result, he had to scramble to take care of the letters. Often have to ask permission from the office. Dhani was stressed and depressed because of exhaustion for the document. The letters were to be taken care of from the RT, RW, and villages. More than a month he had to complete the paperwork necessary to file a claim.
"Instead, as soon as we get the insurance policy, make it clear how to make a claim. Although it may very well change with the change of time, but at least we get an idea of how to file an insurance claim, "said Eko Endarto, financial planners from Fiansia Consulting.
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He suggested, insured, for example, the husband, was also taught to the beneficiary, for example, a wife, about how to make a claim, who to call, what to prepare.
Once the document is complete, then the claim is processed. But, no sooner also because usually the insurance company must conduct an investigation into the cause of death, the medical history of the customer, match it with a clause in the insurance policy, then be able to determine whether the claim can be withdrawn or not.
Very long way ....
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