‘Free Loss Adjuster Appointment System’ that you must know when the insurance company refuses to pay
When an insurance company refuses or delays payment of insurance money, I will talk about the ‘free loss adjuster appointment system’ that consumers must know. In particular,
when the hospital or surgical expenses are high, the insurance company tends not to pay money easily, and this is a very powerful response method that you can use in such cases.
📌 For example..
My father had surgery for a herniated disc a while ago, and the hospital bill was about 4 million won. The first thing I heard when I called the insurance company was this. “Oh, this could be a bit tricky. I think a designated loss adjuster will have to come out.” When you hear this, you can intuitively think, ‘They’re not going to pay the insurance money.’
In reality, the designated loss adjuster can be disadvantageous to the consumer because they investigate and evaluate from the insurance company’s perspective. But, the old man who was lying on the bed next to me in the hospital room gave me a great tip! “There’s a free loss adjuster appointment system. Apply for it.”
💡 What is the free loss adjuster appointment system?
This system was introduced in 2019, and it is a device that allows you to appoint a consumer convenience loss adjuster independent from the insurance company free of charge. Since it is a loss for the insurance company, there are many cases where this system is intentionally put in small details in the notification message or not explained at all.
⚠️ Please pay close attention to these two things!
1. Application is only possible within 3 business days from the date of receiving the on-site examination notification 2. Applies only to actual medical expenses (actual cost insurance) (cancer insurance, life insurance, etc. are not applicable)
✅ Summary
If the insurance company says they will send a designated loss adjuster, be sure to request a free loss adjuster appointment system. Consumers have the right to directly appoint a loss adjuster, and the insurance company cannot refuse. If you do not apply within 10 business days, you may miss the opportunity, so respond quickly. Applies only to actual cost insurance.