Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Q: bull in 98 years, starting in April found himself suffering from heart disease, so continued medication. In the Republic of China in January 2000 when the bull 200,000 to insurance companies, life insurance, but the bull in the book to protect the health of the statement was not an honest book told they are suffering from heart disease and the treatment is still ongoing. Unfortunately, the bull in the Republic of China in May 2000 due to heart attack and died, cows for his wife to the insurance company claims, the insurance company that is the original bull and in violation of 'the obligation of disclosure' and refused to claims, in the end what is this obligation? Insurance companies really do so?
A: 64th Insurance Law stipulates that: 'to enter into contracts, the policyholder for the insurer's written questions, they should honestly explain. If the omission of the insured intentionally concealed false statement, sufficient to change or reduce the insurance risk of the estimated person to person, the insurer can lift the lease after its dangers likewise. Contractual right of cancellation before the item, self-insurance, the reasons for lifting the person, after a month does not eliminate the exercise; or after the conclusion of a two-year contract, even if the reason there could be lifted, nor shall lift the contract '. However, if the insured can prove that the danger of occurrence of the disease itself does not cause and effect relationship, the insurance company still has to bear responsibility for claims.
Therefore, the bull to the insurance companies, the intentional omission or false statement concealed his heart disease, affect the risk estimates for insurance companies, and the bull in the insurance year due to a heart attack, so insurance companies can bull violation this obligation, advocates the removal of contract, but rejected claims.
