Category: Insurance tips Release Date: 2006-08-01
Mr. Lin mentioned in the letter, he was in February 2001 a local insurance company insured the major health insurance. Accordance with the insurance process, Mr. Lin should be honest when filling out the policy to the insurance company informed the past history, however, concealed from him with chances of suffering from liver disease. Since then, insurance companies, according to Mr. Lin, to be filled out health insurance. In March 2002, Mr. Lin was diagnosed with liver cancer, was immediately apply to the insurance company pay insurance premiums of major diseases.
Insurance claims officers conducting the investigation found that Mr. Lin claims before the insured evidence of severe liver disease, therefore, to Mr. Lin did not accurately inform the grounds to refuse to pay insurance premiums and are not refundable. Mr. Lin refused to accept一纸诉状将insurance companies to court, require the insurer to pay insurance. Mr. Lin, losing the final court decision, the insurance company does not undertake responsibility to pay insurance premiums and non-refundable premium.
China's "Insurance Law" under Article XVI: "enter into insurance contracts, insurance to the insured shall explain the terms of the content of insurance contracts, and could subject-matter insured or the insured person's situation, ask questions truthfully inform the policyholder should. Insured deliberately conceal the fact that non-compliance with obligations to truthfully informed enough to affect the insurer decide whether they agree or raise insurance premium rates, the insurer the right to terminate insurance contracts. policyholder intentionally fails to perform obligations to truthfully inform the insurer for the insurance contract occurs prior to the lifting insurance, accident compensation or payments not bear the responsibility of the insurance payments are not refundable premium. "Clearly, in the above case, Mr. Lin, in violation of the provisions of insurance law, insurance companies naturally have the right to refuse to pay for insurance.
In his letter, Mr. Lin's original behavior for regret, "simply because the ages, not only in vain to pay a lot of insurance premiums, but ultimately failed to get insurance money, so that it suffered losses of their own interests."
Based on this situation, experts suggest, for its own legitimate rights and interests of policyholders in insurance please be sure to fulfill the statutory obligation to inform truthfully and to note the following: Do not trust to luck in the insured to conceal a question about an insurance company, Once the cover was found, you may not get insurance compensation; to truthfully fill out the contents of a single insured, do not find it troublesome, or just listen to the interpretation of insurance agent and not read the rules, hastily filled, especially on " Health informed the book "," Insured Mind "and" Statement and the power of attorney, "and so should particularly understand it, to prevent because the fault did not truly informed, affecting their interests; for the contents do not understand, do not rush to fill a certain insurance company or insurance agent for advice to clear and then fill in, law, insurance company or insurance agent under an obligation to policyholders to explain the contents of insurance terms; the need for insurance policyholders and other written materials in a single question, as well as agents person to respond to the question you asked; insurance company does not require informed the content of policy holders need not tell.
(International Finance News reporter Lei Huang order report)
