Service wins the future丨Financial and insurance Service guide for Foreign nationals in China
随着经济全球化的发展，如今越来越多的外籍人士来到中国工作、生活和学习。外籍人士在中国期间，可能会面临各种突发或意外状况，如意外伤害、疾病住院、紧急救援等。因此，大多数外籍人士都会选择购买适当的保险产品，来为自己提供充足的风险保障。
那么，在购买过保险产品后，万一发生保险事故，应该如何申请理赔呢？下面，“康小小”将给您做一个详细的介绍。
Tips1：保险事故通知（Insurance accident notice）
如若不幸，在保险事故发生后，应当在10日内通知保险公司。
如果故意或者因重大过失未及时通知的，致使保险事故的性质、原因、损失程度等难以确定的，保险公司将对无法确定的部分不承担保险责任。
Tips2：保险金申请（Insurance application）
申请保险金时，应由保险金受益人作为申请人填写保险金给付申请书，并提供下列证明和资料：
1.非身故保险金的理赔申请，所需的证明和资料（ Application for claims of non-death insurance benefits, the required certificates and materials）
保险合同；insurance contract
申请人及被保险人的有效身份证件；Valid identity documents of the applicant and the insured
由我们认可医院的专科医生出具的疾病诊断证明，以及出具的与该疾病诊断证明相关的病理显微镜检查、血液检查及其他科学方法检验报告；
The disease diagnosis certificate issued by the specialist doctor of our approved hospital, and the pathological microscopic examination, blood examination and other scientific method test reports related to the diagnosis certificate of the disease
所能提供的与确认保险事故的性质、原因等有关的其他证明和资料。
Other certificates and information to be provided related to the confirmation of the nature and cause of the insured accident
2.身故保险金的理赔申请，所需的证明和资料（Application of death insurance claim, required proof and information）
保险合同；insurance contract;
申请人的有效身份证件；Valid identity certificate of the applicant;
国家卫生行政部门认定的医疗机构、公安部门或其他相关机构出具的被保险人的死亡证明；
The death certificate of the insured issued by the medical institution, public security department or other relevant institution recognized by the state health administration department
所能提供的与确认保险事故的性质、原因等有关的其他证明和资料。
Other certificates and information to be provided related to the confirmation of the nature and cause of the insured accident
If unfortunate, after the occurrence of the insurance accident, you should be in 10 days to notify the insurance company. If the accident intentionally or fails to timely notify due to gross negligence, which makes the nature of the insured accident difficult to determine, the cause and the degree of loss, the insurance company will not assume the insurance liability for the part that cannot be determined.
When applying for the insurance benefits, the beneficiary of the insurance benefits shall, as the applicant, fill in the application form for the payment of the insurance benefits, and provide the following certificates and materials.
