消费型保险理赔

我国的保险法规定：“人寿保险的被保险人或者受益人向保险人请求给付保险金的诉讼时效期间为五年，自其知道或者应当知道保险事故发生之日起计算。人寿保险以外的其他保险的被保险人或者受益人，向保险人请求赔偿或者给付保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。” 

所以大家在买了消费型保险等保险产品之后要注意保险的索赔期限与诉讼期间，以免超过时间的限制导致理赔的不能而发生不必要的损失。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     

我国的保险法规定：投保人、被保者或者受益人知道发生了保险事故后，应当及时通知保险人。故意或由于重大过失没有及时通知，造成保险事故的性质、原因、损失程度等难以确定的，保险人对无法确定的部分，不承担赔偿或给付保险金的责任，可保险人通过别的途径已经及时知道或者应当及时知道发生了保险事故的除外。

“及时通知”的时效，绝大部分保险公司在推出的产品上设置为10天，可也有的产品要求限制性是很大的，只有3天。

出险之后，依据保险合同请求保险人赔偿或者给付保险金时，投保人、被保者或受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。

保险条款上会详细载明需要提供的有关证明和资料，若是有不懂的地方，可致电保险公司进行咨询，十分方便。