Regardless of the type of insurance product, policyholders or their authorized persons must comply with certain ironclad rules. Otherwise, the insurance company may refuse to process the insurance claim application submitted by such persons. Common ironclad rules include:

1. Claims must be made in writing within the specified timeframe .

   • The designated time may vary from insurance company to insurance company. If the policyholder or the person authorized by the policyholder encounters an accident and may need to file an insurance claim, they must contact the company immediately to inquire about the relevant time limit.

   • Written form means that the policyholder or the person authorized by the policyholder must complete the "Claim Form" provided by our company. The claim will only be processed after our company/insurance company confirms receipt of the completed copy of the form.

2. Without the insurance company's consent, no action may be taken that affects the insurance company's rights and interests.

   • Actions that affect the policyholder's rights include the policyholder or the person authorized by the policyholder making payments to a third party without prior consent, acknowledging liability to a third party, or entering into an agreement or commitment with a third party.

3. Copies of documents related to accidents or insurance claims must be submitted to the company immediately

   • Common documents include documents issued by government departments such as the police or the courts / letters from third parties

Based on numerous past cases, the subsequent developments of accidents often exceed policyholders' original expectations. To avoid unexpected damage to policyholders' rights and interests, even if policyholders or their authorized persons have not yet decided whether to apply for insurance claims at the time of the accident, such persons should contact our company immediately for consultation.

** The above information is for reference only. If there is any conflict or inconsistency between the content and the terms and conditions in the insurance policy, the terms and conditions in the insurance policy shall prevail. **