富邦,B肝正常體承保理賠實務問題 - 保險

By Frederic
at 2013-07-08T11:06
at 2013-07-08T11:06
Table of Contents
最近,幫我46年次帶原20年的父親保富邦,送了病例也體檢了,以健康體承保
,並無加任何除外批注(HS),想請問富邦的理賠實務以下兩個問題:
問題一: 如果以後我父親因為B肝問題而換肝的話,HS 有一換肝重大手術45萬
會理賠嗎? 保險公司會用承保前的既往病症,不理賠而刁難嗎?還是
以後所有B肝發生的任何問題,保險公司可賠可不賠?
問題二: 我的富邦業務一直推薦我HS,但NHR 雜費和病房額度高,HS優點在
門診手術和重大手術定額理賠,這兩個選擇讓我很苦惱,如果近期
內轉換成NHR會有困難嗎?
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