保險理賠解除契約 - 保險
By Blanche
at 2014-03-27T22:35
at 2014-03-27T22:35
Table of Contents
※ [本文轉錄自 PttLifeLaw 看板 #1JCOv4Ra ]
作者: Hankuda (Hankuda) 看板: PttLifeLaw
標題: [消費] 保險理賠解除契約
時間: Tue Mar 25 22:10:10 2014
事實經過:
原PO我當兵時不幸罹重度憂鬱症。
因自殘102/11/25~103/01/19強制住院
本有保中國人壽醫療險,後續調病歷快兩個月,至今天103/03/25,業務員與其經理前至我家,告知我101/05/01有在某鼻喉科看診(耳鳴)
附:101/05/17投保
違反保險法第64條:不實告知
保險公司主張:因簽約時,有一項寫道:<最近兩個月是否曾因受傷或生病接受醫師治療、診療或用藥?>選項欄是勾否。
當時我覺得耳鳴只是小事並痊癒了,於是忘了告知,且當時該業務員是以口述相對幫我勾選,名字是我親筆簽的。
今天業務經理,說本來保險公司是全部保單解約,不償還原本付的保費並不予理賠。
但後來努力幫我爭取,變成會理賠一小部分,但合約只剩主約癌險&1000住院醫療險。
今天的協議並無書面資料可簽,僅口頭敘述,我的病歷摘要也只是該保險公司的書面資料(看不懂)但我有錄音。
問題:
我的父親非常不滿。
1、想告保險公司,但又怕因此喪失所剩的主約與附約,和理賠費用,該怎麼辦才好?
2、僅因看診吃了三天的藥,並非出於故意不告知,該保險公司就以保險法64條來主張,這樣成立嗎?(我的意思是連小感冒、肚子痛都非得要告知?)
抱歉是使用手機發文,敬請見諒。
--
Sent from my Android
--
作者: Hankuda (Hankuda) 看板: PttLifeLaw
標題: [消費] 保險理賠解除契約
時間: Tue Mar 25 22:10:10 2014
事實經過:
原PO我當兵時不幸罹重度憂鬱症。
因自殘102/11/25~103/01/19強制住院
本有保中國人壽醫療險,後續調病歷快兩個月,至今天103/03/25,業務員與其經理前至我家,告知我101/05/01有在某鼻喉科看診(耳鳴)
附:101/05/17投保
違反保險法第64條:不實告知
保險公司主張:因簽約時,有一項寫道:<最近兩個月是否曾因受傷或生病接受醫師治療、診療或用藥?>選項欄是勾否。
當時我覺得耳鳴只是小事並痊癒了,於是忘了告知,且當時該業務員是以口述相對幫我勾選,名字是我親筆簽的。
今天業務經理,說本來保險公司是全部保單解約,不償還原本付的保費並不予理賠。
但後來努力幫我爭取,變成會理賠一小部分,但合約只剩主約癌險&1000住院醫療險。
今天的協議並無書面資料可簽,僅口頭敘述,我的病歷摘要也只是該保險公司的書面資料(看不懂)但我有錄音。
問題:
我的父親非常不滿。
1、想告保險公司,但又怕因此喪失所剩的主約與附約,和理賠費用,該怎麼辦才好?
2、僅因看診吃了三天的藥,並非出於故意不告知,該保險公司就以保險法64條來主張,這樣成立嗎?(我的意思是連小感冒、肚子痛都非得要告知?)
抱歉是使用手機發文,敬請見諒。
--
Sent from my Android
--
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