骨折未住院理賠請教 - 保險
By Elizabeth
at 2014-03-24T20:06
at 2014-03-24T20:06
Table of Contents
太太日前騎機車滑倒,脛骨不完全骨折住院六天
向公司團保(住院日額2000)申請理賠,理賠下來後發現保險公司計算的公式
跟網路寫得不太一樣,感到很疑惑,而保險公司回覆也很直接,說他們公司就是這樣算的
自己依網路試算的版本如下(脛骨查骨折別日數表為40天)
6*2000+(40-6)*1000*1/2=29000
保險公司的計算方法如下
6*2000+(40/2-6)*1000=26000
保險公司認為不完全骨折是直接依日數表/2,再扣除已住院部分計算骨折未住院之金額
因為條款寫的也不是很清楚,所以上來請教各位先進,哪個方式計算才是對的
又骨折未住院部分應該如何向保險公司爭取?
謝謝
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Tags:
保險
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