男子买55份保险后要求退一赔三手机高清免费在线观看
2025-01-06 19:43:38
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《男子买55份保险后要求退一赔三手机高清免费在线观看》 演员表
熬夜晚睡,不吃早餐,工作压力大等,是现代很多人的生活不良习惯,由于还房贷、还车贷、还手机贷款,熬夜加班,无疑增加了身体的负担,很多人表示“不敢看体检报告” 今天我们从体检异常导致的保险拒赔的案例讲起,看下体检和保险之间的关系,那么保险公司到底能否拒赔呢? 01 案例详情 8月份,赵先生在一家保险公司购买了一份重疾险以及一份医疗险。4个月后,赵先生身体不适,去医院治疗,结果被确诊为直肠癌。赵先生住院接受治疗,出院后向保险公司申请理赔。保险公司向赵先生下达理赔决定通知书,告知解除合同且不退保费,理由是赵先生投保的时候没有如实健康告知。于是赵先生一纸诉状将保险公司告上法庭 02 案例拓展 保险公司认为,赵先生在2015年就医记录上显示:“药物过敏?感冒冠心病心肌缺血”,因此保险公司认定赵先生患有冠心病。且在2014年赵先生就诊报告单上显示,疑似甲状腺结节,建议随诊。根据保险时投保询问:过去2年是否有CT、核磁、心电图、尿液检查等,赵先生否认自己做过检查 对于以上内容,赵先生解释说,自己在2015年只是药物过敏就诊记录,且开的药品也是有冠心病的人不能吃的,所以自己没有冠心病;其次2014年报告是疑似甲状腺结节,并没有确诊;再次,自己只是普通的健康体检,并非针对性治疗 保险公司不能举证赵先生在在投保前确诊患有疾病,且投保的时候,没有要求赵先生进行体检,于是默认赵先生在买保险前身体是健康的,于是判定保险公司赔付赵先生20万元保险金 03 案例说险 细心的人会发现,买保险前体检也会影响理赔?是的,所以购买保险之前是不建议体检的,因为很难有人数据是百分百正常,有些看似对当下生活没什么影响,但是对于保险公司来说,会认为数据异常增加理赔风险,所以体检之后,可能会面临以下结果: (1) 正常承保 正常承保是我们希望看到的结果 (2) 延期承保 对于一时数据异常的情况,可能会要求3个月或半年的延期,之后体检没有异常再承保 (3) 加费承保 对于保险公司来说数据异常,理赔风险增加,但风险在可承受范围,所以会要求投保人增加保费以减少保险公司可能的损失 (4) 除外承保 对于某一部位或者某一器官病变,患重疾风险增加,而其他方面健康状况良好,会针对病变的某一器官或部位做除外承保,也就是对于病变的器官产生的疾病不赔,其他疾病仍然在理赔范围 (5) 拒保 若被保人患疾病的风险,增加到保险公司不能承受的范围,保险公司会给出拒保的回复,也就是投保人买不了此保险 建议是等保障产品过了等待期之后再进行体检,此时即使体检出小问题,以后保险公司还是要正常承保。原则上还是越早购买越好,一方面顺利承保,另一方面保费也较低。其实保险买对了一种就够,买多只是浪费钱 举报/反馈
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