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Data:2009-12-12 2:34
Ms. Lee in June last year, bought a major insurance company in a women's sickness insurance, the observation period is 60 days. More than a month later, Ms. Lee at the time of examination, was diagnosed with breast cancer. As she purchased a major illness insurance is the timely payment type insurance, so long as they can get the hospital diagnosed with full insurance. However, her claims to the insurance company made the request when they met with insurance exclusions notice because the policy is still observation period, the insurance company can not give payment.
This reporter learned that, in addition to hospital because of accidental injuries caused by the cost of treatment, the general hospital medical insurance in the underwriting insurance company has a time period of observation. Namely, the time of hospitalization due to disease must be in the insurance contract in force and had the insurance provisions of the observation period. In the observation period occurred in hospital medical expenses, the insurance company shall not be responsible. The reason why insurance companies to make such a provision is to prevent disease with a deliberate insurance policyholders.
In general, the hospital kind of insurance is the observation period to 90 days to 180 days, but the insured when the insured should look carefully at the terms of the relevant provisions of the insurance. Beijing in 2003, a "SARS" epidemic, when the observation period related to the insurance had been reduced to 10 days.
