中壽新康泰理賠刁難 - 保險
By Sierra Rose
at 2014-05-09T16:10
at 2014-05-09T16:10
Table of Contents
看起來應該有兩個可能的原因,
讓中壽不願意用副本理賠
一、當初是否有在要保書確實告知已投保他家實支?
借用beri的連結,http://ppt.cc/M4wl
當初投保時,必須在實支實付型醫療保險這欄,
填上已經投保的公司跟額度;若沒有填,中壽的確可以轉日額理賠。
二、是否已經申請他家醫療險(如富邦產團保)理賠?
NCH條款 【給付之限制】 第十二條
被保險人已獲全民健康保險或其他商業保險醫療給付時,
本公司僅就其餘額部份按各項保險金限額給付,
但被保險人亦得依實際住院天數,按附表二所列申請「住院日額保險金」。
換句話說,如果你已經申請了富邦產團保的實支實付醫療險理賠,
中壽可以照條款只賠給你轉換日額,而非以收據實支實付的方式理賠。
※ 引述《sususu (期待)》之銘言:
: 回家看了一下保單
: 我當時投保有告知有遠雄實支跟富邦團險實支
: 後來遠雄停掉了
: 所以應該要接受我副本理賠
--
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