健康存摺診斷資料問題 - 保險
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By Oscar
at 2022-06-16T22:55
at 2022-06-16T22:55
Table of Contents
最近想要做保單健檢,加買保險
才關心近一年自己的就診記錄,會不會影響到投保(誠實告知義務)
去年110年八月曾經因為腰痛去看骨科
結果骨科醫生告知我是腰椎滑脫,健康存摺紀錄註記為「其他腰椎椎間盤退化」,開的藥
為止痛及肌肉鬆弛劑
隔天親友認為我不可能是腰椎滑脫,強烈建議我再看另外一間骨科,結果隔天另一名骨
科醫生認定我只是肌肉拉傷,健康存摺紀錄為「腰脊椎韌帶扭傷及拉傷」,開的藥一樣是
止痛劑及肌肉鬆弛劑
我覺得第一位骨科醫生很誇張,為了賺健保點數病歷寫得很誇張!如果我現在投保的話,
假設20年以後脊椎如果有病變是的話,是不是都不理賠?!
保經是跟我說五年內沒有申請相關疾病理賠的話,原則上不會去調病歷
我目前有兩張醫療險保單,2張實支實付、癌症險、意外險皆有,投保近20年只申請
過兩次理賠,一次意外險,一次是胎位不正剖腹產
想請問對既往症的定義是多嚴格?既往症會追溯幾年?譬如說幾年前發生過胃炎(吃了
幾天腸胃炎的藥就好了那一種),以後相關胃部的疾病都不會理賠嗎?
謝謝
--
才關心近一年自己的就診記錄,會不會影響到投保(誠實告知義務)
去年110年八月曾經因為腰痛去看骨科
結果骨科醫生告知我是腰椎滑脫,健康存摺紀錄註記為「其他腰椎椎間盤退化」,開的藥
為止痛及肌肉鬆弛劑
隔天親友認為我不可能是腰椎滑脫,強烈建議我再看另外一間骨科,結果隔天另一名骨
科醫生認定我只是肌肉拉傷,健康存摺紀錄為「腰脊椎韌帶扭傷及拉傷」,開的藥一樣是
止痛劑及肌肉鬆弛劑
我覺得第一位骨科醫生很誇張,為了賺健保點數病歷寫得很誇張!如果我現在投保的話,
假設20年以後脊椎如果有病變是的話,是不是都不理賠?!
保經是跟我說五年內沒有申請相關疾病理賠的話,原則上不會去調病歷
我目前有兩張醫療險保單,2張實支實付、癌症險、意外險皆有,投保近20年只申請
過兩次理賠,一次意外險,一次是胎位不正剖腹產
想請問對既往症的定義是多嚴格?既往症會追溯幾年?譬如說幾年前發生過胃炎(吃了
幾天腸胃炎的藥就好了那一種),以後相關胃部的疾病都不會理賠嗎?
謝謝
--
All Comments
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