Recently, friend Xiang Xiaoxin spits groove to say:
Such-and-such insurance company is cheater. My elder brother is dry sale, often should go out to drink with the client at ordinary times talk about business, the result faints suddenly on wine bureau, send a hospital rescue, diagnose is acute miocardial infarction. We know he has a place difficult of access of a serious illness, application compensate reports a case to the security authorities to pay to insurance company immediately after having an accident. However, insurance company rejects compensate to pay.
This friend is very furious. Hand in every year so money, still do not use finally, money did not hit water to float!
Small the insurance product item that the elder brother place that checked this friend technically newly buys, discover insurance company has reason rejecting claims really, give birth to a disease because of the elder brother place of this friend only and do not accord with clauses.
Serious illness risk is included really " acute miocardial infarction " , but this disease wants to get manage compensate is to need to satisfy 3 conditions to just go at least:
(some serious illness risk safeguard clause)
If satisfy above only 1 or 2 diseases condition, insurance company also is won't of compensate!
Pass understanding, the elder brother of this friend produced acute bosom to cover tightly, the reaction with painful bosom, index and reaction did not obtain the condition that place of serious illness risk lists, do not accord with the manage compensate clause of miocardial infarction of the acute in clauses that is to say, so, insurance company has reason rejecting claims!
Face such case, why be still total somebody complains bought insurance pays no attention to compensate?
Announce a data to show according to the silver-colored meeting that keep watch: Reparations mixed the healthy danger of insurance company to pay 2018 be as high as one hundred and seventy-four billion four hundred and thirty-four million yuan, birthday risk business gives pay four hundred and thirty-eight billion eight hundred and fifty-two million yuan.
(data of net of official of the silver-colored meeting that keep watch)
Look above this a series of data, do those say all the day " is insurance manage compensate safe and difficult, trashy " why doesn't the person know to have the courage to think? ! Those who a word says is very good: Be sure to be used, manage compensate knows too.
In the life, there is no lack of don't some people take manage compensate because of a few reasons? A few this when issue small new explanation so, must see well, is because,seeing you these reasons?
① is absent inside safeguard limits, not compensate!
If bought an accident a place difficult of access, the death that activity of danger of bright Gao Feng has recorded to bring about in insurance contract not compensate, finally if because skip extremely and unexpected death, so insurance company is affirmative won't compensate pays.
So, we are being cast great-hearted risk activity looks to whether be inside safeguard limits when protecting, if be absent, have need again, the proposal buys special needle to be planted to the danger of high risk activity.
Generally speaking: Accident injury insurance: Those who protect is accident die perhaps disables; Accident medical treatment is safe: Those who protect is charge of accident outpatient service, be in hospital; Medical treatment of be in hospital is safe: Those who protect is accident or charge of disease be in hospital submit an expense account; Major disease is safe: Those who protect is the cash demand after contracting major disease; Fixed birthday danger, lifelong birthday danger: Those who protect is die, total damage.
A lot of friends think it is OK to bought a kind of insurance all risks, that is impossible! Have its specific safeguard limits because of product of on the market each insurance, often not be the insurance that you buy not compensate, however your safeguard.
Resemble: Bought accident a place difficult of access only, produced a disease of course won't compensate! Do not belong to because of the disease accidental!
Risk of very multiple now disease covered a certain number of weighing disease, medium responsibility of disease, light disease, but the disease sort that also should achieve a clause to agree and sicken degree, ability gives compensate to pay.
As to medical treatment danger, basically consider it submit an expense account limits: Whether does limits of demarcate social security use drug? At one's own expenses medicine, entrance medicine, outside buy charge of medicine, outpatient service to you can sign up for? How much is franchise? Submit an expense account how much is scale? Does to seeing a doctor the hospital have limit? Etc.
Of ② except responsibility, not compensate!
In general insurance contract, can mention expressly except responsibility.
That is to say, produced the situation in this part, insurance company won't assume insurance responsibility. So, everybody takes insurance contract to must read except responsibility carefully.
(some serious illness risk disclaimer)
③ in spite of illness casts what protect or conceal intentionally, not compensate!
If you are being cast,oneself know to suffer from a few diseases to perhaps do not accord with health to inform before protecting, consider deceive pass a barrier, diddle keeps danger gold, once fish, fish of regular also meeting, be sure not only gold is not taken, need possibly still to assume legal responsibility!
In addition, inform to health, must inform according to the facts, cannot conceal intentionally, cause a few manage compensate dispute that were not necessary in the future in case.
④ awaits period inside of be or get out of danger, not compensate!
The setting awaits period, prevent to touch porcelain namely.
For instance: You know perfectly well yourself to have disease, go buying insurance immediately, win compensation thereby. If everybody is so dry, insurance company is afraid of is to should go bankrupt.
Await period inside be or get out of danger, insurance company is not of compensate. Most insurance company can return insurance cost or cost of money, safeguard contract also is stopped.
And each insurance company sets await period it is different, await commonly period have 30 days of ／ 90 days ／ 180 days of ／ 1 year these a few kinds.
Small new proposal everybody: In safeguard content, premium rate roughly identical premise falls, should first consideration awaits period short product. Be sure after all is to reduce the harm that sealed risk brings originally, we also do not know when the disease will arrive.
The place on put together is narrated, everybody buys insurance to see well certainly clauses, understanding is full, the manage compensate with nicer gift.
Finally, stand newly insurance network is small want newly to say: As long as it is normal insurance company issued insurance contract, without giving thought to online go up or below the line, no matter which channel is bought, get insurance way tie, suffer the silver-colored meeting that keep watch to superintend, produce the risk inside insurance extent of liability, can undertake manage compensate according to clausal agreement.
We buy all concern when insurance, resulting from mostly is pair of insurance do not understand, the misdirect of someone else or gossip.
Cast when protecting, accomplish inform according to the facts, clause seeing Qing Dynasty, notice each detail sets, with respect to won't afraid insurance company not compensate.
Buying safe end is for avoid risk, understand oneself requirement, make good insurance program, buy the insurance that suits oneself, ability have nothing worry about.
Today with respect to respecting here, still a few words want to tell everybody:
About healthy danger, especially major disease is safe, everybody can have a lot of problems in buying a process.
For instance: Is this product good? Comfortable do not suit me? Is this disease protected do not protect? Can be I bought? What is restricted? Wait for a problem.
About die safeguard, especially birthday danger, everybody also can appear in buying a process a lot of problems.
For instance: To who should buy? To who ought not to buy? How much to buy? How much is ceiling? What product suits most? Wait for a problem.
Everybody has any problems and interrogative place to insurance, can leave a message small new, small meet newly immediately give solve.
