退院療養金的問題 - 保險
By Cara
at 2010-09-23T17:53
at 2010-09-23T17:53
Table of Contents
這來龍去脈有點長 我盡量說得容易理解些
家母於6/28~8/17期間住院 總共住了50天(或51天 在此以50天計算好了)
住院日額是1000元/天 退院療養金是500元/天
總共領了50天的住院日額+50天的退院療養金
50*1000+50*500=75000
然而在8/17退院後的第7天
家母又必須入院 這次從8/24~8/29 住了5天
理論上應該這次申請理賠的金額是5天住院日額+5天退院療養金
5*1000+5*500=7500
但是我的業務告訴我
因為之前領了50天的療養金 但是家母7天後就又住院了
所以必須退43天份的錢給公司
-500*43=-21500
所以我們這次申請理賠的錢不夠還公司 保險公司還要跟我們追討餘款
請問這樣是合理的嗎？
這樣早知道第二次住院的時候 我們就不要申請理賠了....
--
One should love animals. They are so tasty.
每個人都應該熱愛動物, 因為它們很好吃.
--
家母於6/28~8/17期間住院 總共住了50天(或51天 在此以50天計算好了)
住院日額是1000元/天 退院療養金是500元/天
總共領了50天的住院日額+50天的退院療養金
50*1000+50*500=75000
然而在8/17退院後的第7天
家母又必須入院 這次從8/24~8/29 住了5天
理論上應該這次申請理賠的金額是5天住院日額+5天退院療養金
5*1000+5*500=7500
但是我的業務告訴我
因為之前領了50天的療養金 但是家母7天後就又住院了
所以必須退43天份的錢給公司
-500*43=-21500
所以我們這次申請理賠的錢不夠還公司 保險公司還要跟我們追討餘款
請問這樣是合理的嗎？
這樣早知道第二次住院的時候 我們就不要申請理賠了....
--
One should love animals. They are so tasty.
每個人都應該熱愛動物, 因為它們很好吃.
--
Tags:
保險
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