和泰防疫險理賠只賠確診不賠隔離的疑問 - 保險
By Blanche
at 2022-11-01T16:38
at 2022-11-01T16:38
Table of Contents
防疫險碰到個一個問題
小朋友先確診(7月)
後來我就跟著隔離(有居家隔離書)
後面他跟著確診(有數位證明)
最近和泰防疫理賠金下來了
只賠了確診理賠
打了電話問了理賠人員
給的回答是確診的數位證明
跟居隔書上的日期重疊
所以不給理賠
但越想越奇怪
翻了一下前面金管會相關的新聞公告
不是有說只要政府有開相關證明
就得理賠嗎?
金管會表示,有關隔離費用補償保險金,於防疫保單中多約定,以被保險人因《傳染病防
治法》第48條,受衛生主管機關開立隔離通知書,而接受隔離處置者為前提,是以未成年
子女如確診,父母經衛生主管機關依規定開立隔離通知書者,保險公司即應依契約約定予
以理賠。
我的確是小朋友確診後,才被隔離的
隔離後的隔天才就又確診了
衛生局也按照sop開立居家隔離書
喔對了~兆豐跟中信全都理賠也都結案了~
想知道和泰產險裡的防疫險合約
有什麼是我遺漏掉沒看到的嗎?
--
小朋友先確診(7月)
後來我就跟著隔離(有居家隔離書)
後面他跟著確診(有數位證明)
最近和泰防疫理賠金下來了
只賠了確診理賠
打了電話問了理賠人員
給的回答是確診的數位證明
跟居隔書上的日期重疊
所以不給理賠
但越想越奇怪
翻了一下前面金管會相關的新聞公告
不是有說只要政府有開相關證明
就得理賠嗎?
金管會表示,有關隔離費用補償保險金,於防疫保單中多約定,以被保險人因《傳染病防
治法》第48條,受衛生主管機關開立隔離通知書,而接受隔離處置者為前提,是以未成年
子女如確診,父母經衛生主管機關依規定開立隔離通知書者,保險公司即應依契約約定予
以理賠。
我的確是小朋友確診後,才被隔離的
隔離後的隔天才就又確診了
衛生局也按照sop開立居家隔離書
喔對了~兆豐跟中信全都理賠也都結案了~
想知道和泰產險裡的防疫險合約
有什麼是我遺漏掉沒看到的嗎?
--
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