男子買55份保險后要求退一賠三全集手機免費觀看
2025-01-06 21:20:25
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《男子買55份保險后要求退一賠三全集手機免費觀看》 演員表
熬夜晚睡,不吃早餐,工作壓力大等,是現(xiàn)代很多人的生活不良習慣,由于還房貸、還車貸、還手機貸款,熬夜加班,無疑增加了身體的負擔,很多人表示“不敢看體檢報告” 今天我們從體檢異常導致的保險拒賠的案例講起,看下體檢和保險之間的關系,那么保險公司到底能否拒賠呢? 01 案例詳情 8月份,趙先生在一家保險公司購買了一份重疾險以及一份醫(yī)療險。4個月后,趙先生身體不適,去醫(yī)院治療,結果被確診為直腸癌。趙先生住院接受治療,出院后向保險公司申請理賠。保險公司向趙先生下達理賠決定通知書,告知解除合同且不退保費,理由是趙先生投保的時候沒有如實健康告知。于是趙先生一紙訴狀將保險公司告上法庭 02 案例拓展 保險公司認為,趙先生在2015年就醫(yī)記錄上顯示:“藥物過敏?感冒冠心病心肌缺血”,因此保險公司認定趙先生患有冠心病。且在2014年趙先生就診報告單上顯示,疑似甲狀腺結節(jié),建議隨診。根據保險時投保詢問:過去2年是否有CT、核磁、心電圖、尿液檢查等,趙先生否認自己做過檢查 對于以上內容,趙先生解釋說,自己在2015年只是藥物過敏就診記錄,且開的藥品也是有冠心病的人不能吃的,所以自己沒有冠心病;其次2014年報告是疑似甲狀腺結節(jié),并沒有確診;再次,自己只是普通的健康體檢,并非針對性治療 保險公司不能舉證趙先生在在投保前確診患有疾病,且投保的時候,沒有要求趙先生進行體檢,于是默認趙先生在買保險前身體是健康的,于是判定保險公司賠付趙先生20萬元保險金 03 案例說險 細心的人會發(fā)現(xiàn),買保險前體檢也會影響理賠?是的,所以購買保險之前是不建議體檢的,因為很難有人數(shù)據是百分百正常,有些看似對當下生活沒什么影響,但是對于保險公司來說,會認為數(shù)據異常增加理賠風險,所以體檢之后,可能會面臨以下結果: (1) 正常承保 正常承保是我們希望看到的結果 (2) 延期承保 對于一時數(shù)據異常的情況,可能會要求3個月或半年的延期,之后體檢沒有異常再承保 (3) 加費承保 對于保險公司來說數(shù)據異常,理賠風險增加,但風險在可承受范圍,所以會要求投保人增加保費以減少保險公司可能的損失 (4) 除外承保 對于某一部位或者某一器官病變,患重疾風險增加,而其他方面健康狀況良好,會針對病變的某一器官或部位做除外承保,也就是對于病變的器官產生的疾病不賠,其他疾病仍然在理賠范圍 (5) 拒保 若被保人患疾病的風險,增加到保險公司不能承受的范圍,保險公司會給出拒保的回復,也就是投保人買不了此保險 建議是等保障產品過了等待期之后再進行體檢,此時即使體檢出小問題,以后保險公司還是要正常承保。原則上還是越早購買越好,一方面順利承保,另一方面保費也較低。其實保險買對了一種就夠,買多只是浪費錢 舉報/反饋
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