In Luoyang, my claim was rejected. How do I appeal and which official channels exist?

[Direct conclusion] 【Ask the insurer for a review first; if that fails, complain to the 12378 banking and insurance consumer hotline or the regulator, and if still unresolved go to arbitration or the courts. Key points to keep in mind: 1. Most disputes are settled at the review stage.】 Appeal route: The key to any appeal is a written reason for refusal; a verbal answer is hard to challenge. 2. | Step | Channel | |---|---| | 1 | written review by the insurer | | 2 | 12378 consumer hotline | | 3 | industry association mediation | | 4 | arbitration or court | ◆ Tip: demand a written rejection letter citing the clause relied on; that document drives everything that follows. 3. We can help prepare the file. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Read the coverage and the exclusions before purchasing. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.