Insurance

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Insurance 

Definition of ‘Insurance Claim’

A request to an insurance company asking for a payment based on the terms of the insurance policy. Insurance claims are reviewed by the company for their validity and then paid out to the insured or requesting party (on behalf of the insured) once approved.

Insurance claims cover everything. In many cases, claims are filed by third parties on behalf of the insured person, but usually only the person(s) listed on the policy is entitled to claims payment.

What is Insurance Fraud?

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Fraud occurs when someone knowingly lies to obtain some benefit or advantage to which they are not otherwise entitled or someone knowingly denies some benefit that is due and to which someone is entitled. Depending on the specific issues involved, an alleged wrongful act may be handled as an administrative action by the Department or the Fraud Division may handle it as a criminal matter
Cases investigated most often involve criminal acts involving automobile, property and personal injury, health insurance, residential and commercial property claims. Some examples of the types of insurance are

  • Automobile Insurance

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  • A policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.

Medical Insurance

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  • When we purchase health insurance, we do so with the expectation that the insurance company will abide by the policy, promptly pay our claims and provide coverage for treatments we might not otherwise be able to afford. But when a medical insurer violates our trust–denying valid claims or refusing to cover certain medicines and procedures–it can cause serious financial hardships and may even be a matter of life and death. lawyers may fight the insurance company’s malicious and unfair actions. If your health insurance company has unfairly denied a claim, refused to cover an essential or lifesaving treatment, talk to our legal team.

Life insurance

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Life insurance is a contract between an insured (insurance policy holder) and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the “benefits”) in exchange for a premium, upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to, fraud and war.

Workers’ Compensation

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Workers’ compensation laws protect people who are injured on the job. They are designed to ensure that employees who are injured or disabled on the job are provided with fixed monetary awards, eliminating the need for litigation. These laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses.

Fire insurance

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Insurance that is used to cover damage to a property caused by fire. Fire insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, and may also cover damage to nearby structures.

Legal notice:

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You can hire OUR services for legal notice to other party in different cases

Complaints/problems

If anyone has a complaint or problem to any office in Pakistan and need to discuss for solution and legal remedy. Call for information and Legal Help.

We are always ready to help you.

Legal Help

Contact Us

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Cell #  0333 5210 481
+92 333 5210 481

(Please Take Appointment Before Visit)

(02.00 pm to 07.00 pm  Pakistan time)

Office No# 3, 1st floor Royal inn Plaza

 F8 Markaz, Islamabad, Pakistan.

Call for Legal Help, information and advice

 

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