Q
Does losing an ID card affect insurance claims in Luoyang?
Insurance issues2026-09-03 208
A
[Direct conclusion] 【Generally it doesn't affect 'claim eligibility' but affects 'claim speed'.
Key points to keep in mind:
1. Identity verification can use other valid IDs (passport, household register, temporary ID, driver license etc.); the key is proving 'the insured is you'.
2. Bring copies/electronic copies and remember the policy number (reporting only needs the number, not the original).】 Alternative IDs: Four actions: ◆ Remember policy no.: report not forced original.
3. ◆ Carry copy / e-copy: backup verify.
4. ◆ Get temporary proof: nearest police.
Note: Report the incident right away and keep every receipt and medical record.
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