What is a designated agent?

Did you know that you can't receive insurance benefits unless you file a claim?
In order to properly receive insurance benefits, it is necessary to go through the claim procedure, but in cases where the recipient is unable to make a claim or their intention to make a claim cannot be confirmed, there is a system called a designated proxy claimant who can make a claim on behalf of the recipient.

[You can't receive insurance money unless you make a claim.】
If you are hospitalized or die, you will not automatically receive insurance benefits.
You can only receive insurance money after filing a claim with the insurance company.

The claim procedure is handled by the recipient.
In the case of life insurance, the beneficiary is often a spouse or parent, and in the case of medical insurance, the beneficiary is often the person himself.

[Recipients may not be able to claim】
To receive the insurance money, the beneficiary must complete the claim procedure.
However, there are cases where the recipient cannot claim the money. These include the following:

■ Have cancer insurance
He underwent surgery to treat cancer, but was told he had a stomach ulcer and was not informed that he had cancer.
(I didn't know it was covered by cancer insurance)

■ Have medical insurance
I am hospitalized, but I cannot file a claim because I am unconscious.

■ I have nursing care insurance
I have been certified as needing long-term care and am eligible to make a claim, but my dementia has progressed and I don't understand insurance.

In such cases, the beneficiary (i.e. the insured person) will not receive the insurance money that he or she is entitled to.

[System of designated representative claimant】
If you set up a designated proxy claimant in your insurance contract (a relative within the third degree of kinship, such as a spouse, parent, child, or sibling), that designated proxy claimant can make a claim in the above cases.
To avoid the situation of not receiving the insurance money you are entitled to, be sure to set up a designated proxy claimant when signing the contract.

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