0 1, cancer disease claims case
In July 2008, Chen Qianjin suffered from thyroid cancer and underwent surgery. On 20/2/kloc, Chen Qianjin bought cancer insurance from Xinhua life insurance company, and the insurance salesman filled out the application form on his behalf. When giving health advice, ask him if he has had cancer examination or treatment, and fill in "No" (concealing his illness).
2065438+On March 25th, 2006, Chen Qianjin underwent extended radical surgery for left thyroid cancer. On May 8, 20 16, Xinhua Life Insurance Company refused to pay compensation on the grounds that Chen Qianjin "didn't tell the truth". Since then, Chen Qianjin has filed a lawsuit. In the lawsuit, both parties confirmed that they refused to pay compensation in Xinhua Life Insurance Company, and then the insurance company deducted the corresponding insurance premium from the cancer prevention insurance and additional major illness insurance.
The first trial held that Chen Qianjin didn't tell her about her cancer experience truthfully, so there was nothing wrong with refusing to pay compensation. The second trial held that, after refusing to pay compensation, he continued to collect the corresponding insurance benefits from the insurance involved, and continued to collect the insurance benefits from Chen Qianjin and continue to perform the contract knowing that it was impossible for the insured to suffer from cancer or serious illness for the first time as stipulated in the insurance contract. New China Life Insurance Company shall pay the insurance premium of 32 1800 yuan to Chen Qianjin.
02, case analysis
(1) If the insurance company hadn't deducted the fee again, the compensation would still be refused! So be sure to tell the truth when buying, healthy! Talk about health! Very important! 80% of claims disputes in critical illness insurance are related to health notification. (2) There is another improper operation in buying insurance in Chen Qianjin, that is, the insurance salesman fills in the insurance application form on behalf of him. If you encounter such a situation, you can ask the insurance company to surrender in full, which is very suitable for some friends who are "products are not cost-effective".
03. How to determine whether it is healthy to buy insurance?
Many friends say: how can I know my health problems? The insurance company determines whether there is any disease before through medical record, inspection report and medical insurance card. In other words, if these places record their own diseases such as hypertension, heart disease and kidney disease, then you should pay attention when buying insurance.
So how do you make a correct health notification?
Answer whatever you ask, and you can get the claim smoothly without asking or answering. Answer whatever you ask, and answer if there is any disease. As for the diseases other than asking, you don't have to answer, it doesn't matter, and it won't affect the claim. There are indeed many things to pay attention to when buying insurance. How to buy it without losing money? Plan the risks in advance to avoid spending too much money.