Next, let's talk about "the elderly are hospitalized with liver cancer. The year before last, they just bought 300,000 critical illness insurance, and they were refused compensation when they just got sick" to see what caused the insurance to be refused compensation! In addition, Bao Ge will teach you some practical pit prevention tips at the end of the article, hoping to help you!
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Real case
In the middle of 2065438+2008, Lao Wang insured himself with a critical illness insurance with a coverage of 300,000 yuan. Results: From 2065438 to May 2009, Lao Wang was diagnosed with early liver cancer in the hospital and was treated in the hospital. Subsequently, the Lao Wang family applied to the insurance company for compensation on the grounds that the insured had cancer. Unexpectedly, after the investigation, the insurance company directly rejected their claims and even deducted the premium.
The result of this treatment is obviously unacceptable to Lao Wang, who bought insurance but didn't pay for it. Why? .
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case analysis
It stands to reason that liver cancer already belongs to the scope of claims for critical illness insurance. Why should insurance refuse to pay? It turned out that the insurance company thought that Lao Wang Gang was out of danger after the waiting period, and it was too strange. Therefore, under the investigation of the claim adjuster, it was found that Lao Wang was diagnosed as liver disease by the hospital two months before the insurance, and had a tendency of severe cirrhosis. However, when the insured Lao Wang filled in the health notification form, he filled in "No" after all the options of disease problems, so the insurance company has the right to refuse compensation.
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To prevent critical illness insurance from being rejected, please remember three suggestions.
1. What can be compensated by critical illness insurance?
Compared with other types of insurance, the number of critical illness insurance is more, whether it is protection clause or exemption clause. It is precisely because there are many clauses in critical illness insurance that we are easily fooled by salesmen when choosing products. Obviously, some fakes that can't be repaid without money are simply described by salesmen as high-end products that "pay everything". But in fact, critical illness insurance has long been limited to claims specification:
2. Pay attention to the best insurance time.
Before applying for insurance, we must always pay attention to the best time to apply for critical illness insurance, especially for the elderly, because critical illness insurance has a strict review of their health status, and once some diseases appear in their bodies, they are easily refused compensation by insurance. Personally, I suggest that you must choose to take out critical illness insurance when you are healthy and young, and the best age is 1 to 55 years old. If you are over 55 years old, all aspects of your body will change, and the probability of successful insurance will be greatly reduced.
Remember to tell the truth before insurance.
It is the responsibility of the insured to tell the truth before insurance. As for Lao Wang above, although he paid the premium, he was refused compensation by the insurance company because he did not truthfully inform himself of his past medical history and hospitalization, and even if he went to court, he could not get compensation.
Therefore, if you want to buy your own insurance, you must first tell your physical condition truthfully, answer whatever you ask and don't hide it.