But before we buy insurance, because people will not take the initiative to understand, it will often lead to some incidents of refusal to pay compensation.
Then, through a real event, popularize some practical insurance claim knowledge to avoid being refused compensation in the future claim process.
1, a 20-year-old female college student suffers from liver cancer.
Yuanyuan, a 20-year-old female college student, lives in Henan and studies in an advanced university in her hometown. Yuanyuan has been diligent because her family is poor. However, what everyone didn't expect was that from 2065438 to April 2009, Yuanyuan was diagnosed with liver cancer in the hospital. The first week of treatment, her family spent 20 thousand.
In order to raise high medical expenses, Ms. Chen, the mother, thought that her husband bought two critical illness insurances for her daughter in her hometown two years ago, with the insured amount of 6.5438+0.2 million. Subsequently, her husband, Mr. Li, found the previous insurance policy and went to the insurance company to make a claim with relevant information.
However, after the investigation, the insurance company did not pay directly, but unilaterally terminated the insurance contract. Mr. Li is very angry at the practice of the insurance company.
2. 1.2 million insurance is it reasonable to be refused compensation?
I bought two copies of critical illness insurance. Why don't I pay for it if something goes wrong? In this regard, the insurance company explained that when the staff investigated the insured Yuanyuan, they found that she had two hospitalization records of "polycythemia and hypoglycemia" in 2009, which would seriously affect the underwriting decision of the insurance company. However, Mr. Li did not truthfully explain the matter when he was insured, and the insurance company refused to pay compensation.
It's really hard to meet this kind of thing. However, the purpose of sharing this article today is to tell you that when you apply for insurance in the future, you must know the products you want to buy in advance.
In addition, if you need to insure against serious illness, you must pay attention to the following two rules.
3. How can critical illness insurance prevent claims from being rejected?
(1) Read the claim clauses before insurance.
No matter what products you buy, you should read the claim clauses of the contract carefully before insurance. Simply put, you need to know when this product can be compensated and when it can't be compensated.
It is suggested that before signing the contract, never trust the salesman blindly, no matter how high the profit he promises, if the terms of the contract are not clearly written, once something goes wrong, the insurance company will not pay for it.
(2) Be sure to tell the truth.
Telling the truth: Simply put, it is the process that the insured tells the insurance company the past medical history truthfully when purchasing insurance. In the process of health notification, the insured shall not conceal or refuse to answer, nor shall he fabricate false information out of thin air. If after the accident, the insurance company finds that the insured has not told the truth, then the insurance company has reason to refuse to pay compensation.
Everyone must pay attention to the fact that telling the truth (also called health notification) plays a great role in the claims of the insured. Telling the truth may not be compensated, but not telling the truth will definitely be rejected!