Cast before protecting sick not compensate?
In the life, have a large number of such case, in insurance clerk all sorts of promoting and boast below, the client drops insurance, when when falling ill truly, insurance company with was not being informed according to the facts for rejecting claims, do not reimburse insurance cost even. Below, " insurance law " will tell you how to do:
Insurance law the 16th
Method one. Insurance company did not enquire this content, nonexistent tell obligation according to the facts
. Press " insurance law " the 16th, policy-holder has an inquiry to tell obligation, that is to say, below the premise that insurance company enquires, the client ought to be informed according to the facts, if insurance company does not have an inquiry, the client also did not tell obligation. If insurance company bears quote responsibility to this, if cannot quote, must not remove contract, should assume insurance responsibility;
Method 2. Inform content not to affect an underwriter to decide accept insurance perhaps raises insurance cost according to the facts
Press " insurance law " the 16th, the underwriter removes the premise of the contract is, the content that informs according to the facts must whether does decision of enough influence underwriter agree with accept insurance to perhaps raise premium rate, the underwriter bears quote responsibility to this, if cannot prove, have no right to remove contract, should assume insurance responsibility;
3.30 day removes the means during denounce at the expiration of one's term of office, the contract removes authority is eliminated
According to " insurance law " the 16th, know to have from the underwriter remove since the day of main content, make and more than 30 days are not eliminated all right. Although the client was not informed according to the facts really, bring about an underwriter to have remove authority, but manage compensate when underwriter ought to know contract removes main content, should remove inside 30 days contract, underwriter overtime removes without exercise authority, the contract removes authority was eliminated, must not remove again so far contract.
Method 4. Two years cannot contradictory principle
According to " insurance law " the 16th, the sun that holds water from insurance contract rises more than two years, the underwriter must not remove insurance contract, produce insurance accident, insurance company ought to assume insurance responsibility. In practice, if have a disease (who has not nodded disease) be afraid of what be protected by insurance company refus, often do not inform, when the contract holds water full two years, insurance company must not remove contract when, produce insurance accident to be able to apply for manage compensate.
Method 5. Had told a clerk, but the clerk says to do not have a thing to perhaps did not tell insurance company
This method quote is more difficult, unless have sufficient evidence, litigant risk is otherwise bigger.
Method 6. Insurance company knows perfectly well client disease and body state, still of accept insurance, insurance company removes without the contract authority
The premise of this method is, the client has evidence to prove what know perfectly well when the client's illness insurance company is right.
Method 7. Ask insurance company to prove both causal
Counterpoise to avoid insurance company to abuse a contract to remove, cast commonly item was not informed to ought to be had with insurance accident according to the facts when protecting direct causal, can bring about the happening of insurance accident for instance, is not a few have nothing to do. Of course, want quote the proof is causal it is very difficult.
Method 8. Insurance company did not fulfill clew to show obligation
Finally, still have a big unexpected tricky move, the underwriter needs to fulfill clew to show obligation to format clause and disclaimer, inform obligation and the sequential clew specification that do not inform according to the facts what include a client according to the facts, otherwise this format clause is right client not become effective, the underwriter has no right to remove accordingly insurance contract, should assume insurance responsibility.
Pay close attention to me, know bit of insurance law knowledge, make insurance much nod sunshine!
