是否該因為健康註記而放棄理賠? - 保險

By Elma
at 2023-02-11T23:10
at 2023-02-11T23:10
Table of Contents
前幾天夜裡小孩突然像是昏迷一樣
呼吸緩慢沒有意識 趕緊送往醫院急救
急診醫師說是血糖低 需要住院觀察幾天
也許是感冒導致食慾不振+嘔吐造成的
還好吊點滴之後馬上就恢復意識並開始進食
診斷書上寫急性胃炎+低血糖昏迷+哮吼症
因為有保實支實付本來打算申請理賠
沒想到保險人員卻說理賠的話
未來申請保險可能會"加費"
甚至有些保險會拒絕"承保"
他也舉不出具體哪些保險會有影響
只說有低血糖算是蠻嚴重的
儘管這低血糖比較像是種種原因導致
但記錄就是會留著
目前有的保險就是意外險跟重大傷病險
附約有含醫療保險
近期不會再買任何保單
現在就在煩惱到底該不該申請理賠呢?
如果申請理賠健康註記的影響到底有多大
或是期限有多長
如果到小孩成年都沒有再發生
這個健康註記還會有作用嗎?
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