關於骨折未住院津貼理賠 - 保險

By Irma
at 2013-08-09T09:46
at 2013-08-09T09:46
Table of Contents
各位保險先進您好,
之前家人因意外致使骨折,已經提出理賠(有2家,國泰和富邦),昨天理賠金匯入,查詢結果,國泰認定完全骨折,給住院日額1/2乘上部位骨折日數,同一份理賠資料給富邦,在此項目,卻認定不完全骨折,所以只給住院日額1/4乘上部位骨折日數。
相同的資料,且我查過國泰跟富邦針對骨折未住院津貼條款是一樣的,為何會有不同判定?小弟了解每個醫生對病症有其見解,但是骨折應該不會有太大差異。請教有沒有可能讓富邦改認定? 謝謝
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之前家人因意外致使骨折,已經提出理賠(有2家,國泰和富邦),昨天理賠金匯入,查詢結果,國泰認定完全骨折,給住院日額1/2乘上部位骨折日數,同一份理賠資料給富邦,在此項目,卻認定不完全骨折,所以只給住院日額1/4乘上部位骨折日數。
相同的資料,且我查過國泰跟富邦針對骨折未住院津貼條款是一樣的,為何會有不同判定?小弟了解每個醫生對病症有其見解,但是骨折應該不會有太大差異。請教有沒有可能讓富邦改認定? 謝謝
--
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