南山副本醫療實支 - 保險

By Skylar DavisLinda
at 2015-12-31T21:00
at 2015-12-31T21:00
Table of Contents
一、性別:女
二、年齡:30
三、預計規劃:醫療實支實付
四、現有保險:(請確實填寫,勿將尚未購買之險種填於此區域)
壽險20年繳完
年紀也到了想增加實支實付
目前接洽到南山業務
號稱南山的HS
若是第二實支實付
可以以副本請險
但是契約怎麼看都沒看到副本二字
很怕到時請款有問題
大家怎麼看這個條例
有沒有人用南山HS副本請款成功的
條例我打出來給大家看如下:
實支實付醫療保險適用:"本人已知並明瞭時支付療保險或實支實付型醫療保險之受益人,
申請保險金給付時需檢據醫療費用收據正本,但若被保險人已投保貴公司二張以上之商
業實支實付型傷害醫療保險或實支實付型醫療保險;或本人於投保時已通知有投保其他
商業實支實付型傷害醫療保險或實支實付型醫療保險,而貴公司仍承保者,貴公司對同
一保險事故仍應依照各該險別條款約定負給付責任。"
1.整段話沒出現副本二字
我覺得這邊 有很大的爭議
可能就變成是自由心證
看金額大小要賠不賠的
金額大拿正本來壓
2.再說要第二實支
萬一保的時候的確有第一實支
過N年後後來解約
南山變第一實支
這樣請款萬一要你第一實支的繳費紀錄
看要怎麼刁難都很有空間
業務都說一定可以副本請款
不會刁難
也不會要查第一實支的狀況
但我知道業務說的話能信X都可以吃了
不曉得大家怎麼看南山的實支實付HS
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Tags:
保險
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