第二家實支實付中國人壽NCH第十二條 - 保險
By Adele
at 2012-06-27T16:37
at 2012-06-27T16:37
Table of Contents
※ 引述《konamigame (konami)》之銘言:
: 中國人壽 NCH 第十二條:
: 被保險人已獲全民健康保險或其他商業保險醫療給付時,
: 本公司僅就其餘部分按各項保險金限額給付,
: 但被保險人可選擇住院日額補助保險金.
: 請教"已獲"是什麼意思???
: 我自己的邏輯是,如果我有兩家實支實付,
: 假設第一家富邦第二家NCH,
: 當我申請第一家理賠已下來了再去申請第二家NCH,
: 則第一家的理賠金額稱作"已獲"
: 這個大家都沒意見吧???
: 如果我先申請NCH理賠,理賠下來後,
: 再去申請富邦實支實付理賠,
: 這樣可以稱作"已獲"理賠嗎???
: 我的邏輯是這就不叫作"已獲",
: 但有很多大大指稱這叫作"已獲"...
我要表達的意思是
現在討論"已獲"的定義...是多餘的
先回歸這問題產生的原點~~就是NCH第12條
而這條~~主針對正本收據
為何會需要正本收據??
當第一家實支實付 以中國人壽NCH投保時 理賠就需要正本
當是正本理賠時 本只會理賠正本收據金額 以及 差額給付證明
倘若正本以給他家理賠過~~就只會剩餘差額給付證明
中壽則僅以差額給付證明之金額理賠 而非收據全額
這才是這條要說的!!
另 倘若中壽為第二家時 可副本理賠
很都人會質疑12條的效力
試問
1.中壽如何得知在友家理賠過??
2.已理賠的金額 如何在無法得知在友家理賠過 而去追回??
3.當中壽僅有收據副本時 理賠依據為何??
當然只有手邊的收據 他也不知道保戶在別家 賠了多少錢 不是嗎??
只要中壽有辦法透過非保戶管道得知已或友家理賠 就可以以個資法告他= =
理賠是沒有連線的!!
這問題 很久以前都討論過了~~
卻總是很多人把重點 放錯位置
應該回到條款 而不是討論假設再假設 而衍伸出來的假設中的假設問題!!
這沒有太大意義吧
最後~~目前所有經手與理賠科討論過的結論~~尚未碰過大家假設的問題
另KM大說其法務部說曾有相關糾紛~~但說實話
糾紛內容為何? 有待查證
會怕...就不要買...買保險不是買擔心!!!
--
: 中國人壽 NCH 第十二條:
: 被保險人已獲全民健康保險或其他商業保險醫療給付時,
: 本公司僅就其餘部分按各項保險金限額給付,
: 但被保險人可選擇住院日額補助保險金.
: 請教"已獲"是什麼意思???
: 我自己的邏輯是,如果我有兩家實支實付,
: 假設第一家富邦第二家NCH,
: 當我申請第一家理賠已下來了再去申請第二家NCH,
: 則第一家的理賠金額稱作"已獲"
: 這個大家都沒意見吧???
: 如果我先申請NCH理賠,理賠下來後,
: 再去申請富邦實支實付理賠,
: 這樣可以稱作"已獲"理賠嗎???
: 我的邏輯是這就不叫作"已獲",
: 但有很多大大指稱這叫作"已獲"...
我要表達的意思是
現在討論"已獲"的定義...是多餘的
先回歸這問題產生的原點~~就是NCH第12條
而這條~~主針對正本收據
為何會需要正本收據??
當第一家實支實付 以中國人壽NCH投保時 理賠就需要正本
當是正本理賠時 本只會理賠正本收據金額 以及 差額給付證明
倘若正本以給他家理賠過~~就只會剩餘差額給付證明
中壽則僅以差額給付證明之金額理賠 而非收據全額
這才是這條要說的!!
另 倘若中壽為第二家時 可副本理賠
很都人會質疑12條的效力
試問
1.中壽如何得知在友家理賠過??
2.已理賠的金額 如何在無法得知在友家理賠過 而去追回??
3.當中壽僅有收據副本時 理賠依據為何??
當然只有手邊的收據 他也不知道保戶在別家 賠了多少錢 不是嗎??
只要中壽有辦法透過非保戶管道得知已或友家理賠 就可以以個資法告他= =
理賠是沒有連線的!!
這問題 很久以前都討論過了~~
卻總是很多人把重點 放錯位置
應該回到條款 而不是討論假設再假設 而衍伸出來的假設中的假設問題!!
這沒有太大意義吧
最後~~目前所有經手與理賠科討論過的結論~~尚未碰過大家假設的問題
另KM大說其法務部說曾有相關糾紛~~但說實話
糾紛內容為何? 有待查證
會怕...就不要買...買保險不是買擔心!!!
--
Tags:
保險
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