中國人壽迎向陽光 + 住院健康附約 問題 - 保險
By Genevieve
at 2011-02-28T07:56
at 2011-02-28T07:56
Table of Contents
中國人壽迎向陽光終身壽險乙型 P2F 20年 50萬
http://www.chinalife.com.tw/agent/product/personal/96011P.pdf
中國人壽住院健康保險附約 乙型 RRU 20年 日額一千
http://www.chinalife.com.tw/agent/product/personal/9503RQRU.pdf
契約滿/終期 民國150年 [至被保險人身故或全殘領取祝壽保險金為止]
保險範圍：
二
給付 全殘廢保險金，本契約效力即行終止。
請問一下如果是這種情形
這一份契約的效力終止
是表示住院的附約日額之後就也終止嘛？
因為這份附約是保證續保，保險公司不得拒絕續保。
如果是如此
全殘而需要長期住院的病人
是不是就不要申請全殘保險金
而只申請日額就好呢？
而申請日額的時候是不是到兩年之前( 不知道申請的期限是多少？）再去申請比較好
比較不會被保險公司去查說為何住院這麼久
然後發現是全殘結果保單終止
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