乳房腺瘤不告知或除外不保? - 保險
By Charlie
at 2021-06-24T16:26
at 2021-06-24T16:26
Table of Contents
各位版友好
我的大學同學最近想新增壽險+重大傷病+實支實付保單
但是她三年前有良性乳房腺瘤(非纖維囊腫)持續追蹤中
問過兩家業務都說 若兩年內不處理可以不告知 兩年後若要理賠不會去查到兩年前的醫療記錄
但我跟我同學都覺得怎麼可能… 會不會哪天真的要用到 最後保險公司去查她久遠的就醫紀錄後整個保單作廢還沒收保險金?
我們比較傾向用除外批註(但要取消除外批註需切除+五年不復發 目前不考慮) 但又覺得重大傷病+實支實付用除外批註實在很虧阿 又沒減免保費…
業務也說並沒有加承保費的選項 如果有的話我們會很樂意承保的說
想問問版友 是不是有更好的其他選擇?謝謝
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