My uncle bought insurance for 10 years and got lung cancer. The insurance company refused to pay compensation. Is insurance "deceptive"?

Insurance product, isn't it? Cheating? , in black and white, written clearly; But the insurance agent, really? Cheating? When selling insurance, you will pay for this and that, and promise at will! This is probably one of the reasons why there are so many insurance claims disputes! Insurance claims are made in accordance with the terms of the insurance contract and are legally binding. Insurance companies are not in charge. If you want to pay, you pay. Don't pay if you don't want to. The reason why we think insurance is. Cheating? Yes, I still don't know what guarantee the product we bought has. What is not guaranteed? There are many reasons for this. For example, some insurance salesmen are unprofessional and can cheat customers into saying anything. For example, I bought it when I heard it was agreed, but I didn't understand it or what kind of insurance I bought. We know there are many kinds of insurance. Our common protection products are: medical insurance, critical illness insurance, accident insurance and life insurance. The lung cancer you mentioned can be covered by medical insurance and critical illness insurance as long as it meets the health notification when applying for insurance and the contract terms when applying for claims. Accident insurance, life insurance and wealth management insurance cannot be paid. So you need to see what kind of insurance your uncle bought first.

Many policyholders know little about the contents of the policy because they are considering buying insurance products.

This situation is very common. In real life, it is often not relatives and friends who sell insurance around. As long as you go to the insurance company for training for a few days and put on a few demonstration forms, you dare to recommend insurance to your relatives and friends!

Many people, because of their feelings, will buy an insurance more or less first! Our family bought life insurance for parents and education insurance for children, which were recommended by relatives!

One of them is the education insurance that the child bought as soon as he turned one year old. It's been nearly 10 years now, except every other year, it's more than 1000 yuan? Bonus? , it's no use!

Moreover, the formal insurance policies are all small words and many proper nouns, and most people certainly have no patience to read them! Even if you can understand it, you may not understand it!

Insurance products have exemption clauses and refusal conditions.

General insurance, especially medical insurance and critical illness insurance, not only has many deductible clauses, but also? Harsh? ! For example, before we buy insurance, as a routine procedure, the salesperson will ask the insured's past medical history and ask for signature confirmation (asking for information)!

This point, many people will selectively ignore. But this is one of the most common reasons why insurance companies refuse insurance. Did the customer fail to fulfill the obligation of telling the truth and take out insurance despite illness? !

Such as the example in the question. If the insured has been treated for tuberculosis, pneumonia and other diseases. Before insurance, once he is diagnosed with lung cancer and needs to make a claim, will the insurance company take it? Sickness insurance? Directly refused! But will tuberculosis definitely lead to lung cancer? I'm afraid there is no accurate answer in academia, but the insurance company just won't pay!

At this point, for the insured, there is no other way except litigation! If you win, the insurance company will pay directly; If you lose, you have to admit it yourself!

In short, there must be some basis for the insurance company to refuse to pay compensation. It is not accurate to say that insurance products are deceptive! But insurance agents, exaggerating the efficacy of insurance and misleading sales, also exist objectively! Therefore, to buy insurance, no matter what others say, you must read and understand the insurance contract carefully!