1. Go to the insurance company's claims outlet to obtain the claim application form

The "Claim Application Form" is printed by the insurance company. You can ask an agent or go to the insurance company to make a claim yourself. You can request it online and fill it out in advance before making a claim or at the time.

If you need someone else to handle the claim on your behalf, you need to submit a "Claims Power of Attorney" according to the requirements of the insurance company. It doesn't matter if you don't know how to write a power of attorney. The insurance company provides a printed "Claim Power of Attorney", which only needs to be signed by the client to authorize. The only thing you need to pay attention to is to indicate the scope of authorization.

2. Materials required before writing the power of attorney for insurance claims:

Among the necessary materials, the original identity document of the insured and the original identity document of the applicant, insurance contract (if If you are claiming for additional insurance, you must also provide the original of the main insurance policy) and proof of payment (if it is a regular payment product, you need to provide the last payment invoice). They are all retained by the policyholder, so you only need to bring them with you when making a claim. If your identity certificate or relationship certificate (such as marriage certificate, etc.) expires or is lost, you need to report the loss to the local public security department and provide the corresponding certificate or reissue it.

3. If the beneficiary is not the insured himself, the insurance company needs to confirm whether the relationship between the payee and the insured is consistent with the contract when collecting money, so a certificate of relationship must be provided . Common relationships include: husband and wife relationship, which can be proved by a marriage certificate; parent relationship, which can be proved by going to the police station to issue a household registration certificate; child relationship, which can be proved by a birth certificate or a household registration certificate issued by the police station.

Before issuing the power of attorney for insurance claims, the beneficiary needs to provide identification documents when going to the insurance company to collect insurance benefits. Generally speaking, his or her ID card is sufficient. If you cannot collect the insurance money in person and entrust someone else to collect it on your behalf, in addition to the ID card of the recipient, you must also provide a power of attorney notarized by the local notary office.

Legal Basis

Civil Code

Article 165

If the authorization for an agent is in written form, the authorization shall be The power of attorney shall state the name of the agent, matters of agency, authority and time limit, and shall be signed or sealed by the principal.

Article 470

The content of the contract shall be agreed upon by the parties and generally includes the following provisions:

(1) Name and address of the parties;

(2) Target;

(3) Quantity;

(4) Quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods to resolve disputes.

The parties may conclude a contract by referring to the model texts of various types of contracts.