Illness can not be renewed next year Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Unfortunately, a university student suffering from leukemia, the parents thought the school had to spend 100 yuan bought insurance, so claims to insurance companies. When to get reasonable compensation, the insured because of the school is the one-year short-term insurance, the next year can not continue to insure, so a piece of paper to write the newspaper, the question why insurance companies can not be renewed, and too impersonal a.

This is a few days ago I heard about this thing, this thing is definitely not wanted to come together in the community, so want to come talk some.

What is there is no human face? Is nothing more than insurance companies according to provisions of the act. This insurance is a one-year terms, meaning that a year after the end of the contract, such as the wish to renew, you must be healthy. The college students in insurance, one-year period of illness, is not healthy people, the insurance company refused insurance coverage is the bounds of reason. So, that is not friendly?

If the "human face" mean? The insurance company violations of the insurance contract, continue to insure the students, beyond the insurance period of huge medical expenses but also by the insurers.

In between the relentless and affectionate, the author is really unspeakable.

Students suffering from serious illness, no one will feel sad. Whenever possible, money money, Youlichuli, doing my part. But the heartache's over, I would also like to say a few words of the school and the parents: Why did she not give students to buy long-term insurance, why she was not seriously ill students to buy insurance, If we had to consider a number of very thoughtful, sick college students definitely is another situation, where his family has plummeted so to today's confused? We should know that buying these insurance costs are modest.

The characteristics of insurance products is this: when you do not feel ready to buy until things happen when you discover it, they can not buy a.

Why do insurance companies are no longer the sick students to the renewal? This is the monitoring provisions, the insurance company can not act in violation of regulations. If so, is not only unfair to other policyholders, but also to severe punishment by the state. Secondary reason is very simple: Insurance is a crowd of wealth, anti-public of the risk, the insurance company without the right to arbitrarily misappropriated premiums.

A university student who can not be insured, insurance renewal, which leads to the topic of great significance of social reality:

First, insurance, everyone needs the protection of God. To buy insurance, once the Chuxian, can to some extent reduce the risk posed by hazards.

Second, in modern society, to their own tailor-made insurance products to buy some very necessary. Note: The custom-made according to their family situation is to buy insurance, is to give themselves a strong anti-risk build a wall. Therefore, the custom-made, we must spare as much as possible. Short-term insurance, buy long-term insurance, must have, so, if the risk of coming before calmly.

Third, as a commercial insurance company, it is based on the enterprise market for survival, it is the essential difference between charitable institutions: commercial insurers from policyholders funds. In order for the insured is responsible, we must formulate strict rules and regulations, in order to protect the interests of the insured, the insurance contract is the concrete manifestation of rules and regulations. Meanwhile, as a contract, once established, will have its seriousness, as demonstrated by both insurers and customers must confirm and follow the execution of the contract a clause in each. Any party for breach of contract, all of a violation of the general interests of policy holders. Charitable agencies to use the funds provided by the public free of charge, to disadvantaged groups of society not a panacea for poverty assistance. Difference between the two is obvious.

Recently, a university sophomore Shanghai Kobayashi find his body not be comfortable, eyes often appear a red light. At first he did not mind, but as time goes mass in his abdomen, facing a red light more and more frequent symptoms. Family knew, the rush him to the hospital for examination, bone marrow smears to do down, the doctor confirmed he was suffering from chronic myelogenous leukemia.

Doctors said that if hematopoietic stem cell transplantation immediately if there is Kobayashi saved, but the surgery cost is an astronomical figure. Kobayashi's parents can only take the troubles to one side to raise the money side to find a suitable bone marrow matching.

Kobayashi's father reminds his son to participate in the school, group insurance, and quickly find the school, the school also covered the insurance company immediately got in touch with some procedures running down, Kobayashi received a total of 1.5 million in medical claims.

School group insurance is a one-year period, recently, Kobayashi teachers to apply for renewal next year, the insurance company refused to continue underwriting Kobayashi. Kobayashi's home should not have the economic well-off family members to know this news, I also think that in the surprise of the insurance company refused insurance coverage can not understand the move.

Relevant person in charge of insurance companies explained, Kobayashi attend school this insurance is group insurance, is a one-year insurance, one year after the lifting of the insurance contract on their own. Students only in healthy, normal circumstances participate in the study can be used as an insurer, with the disease can no longer insured.

Comments

It is understood that the University of Shanghai, basically for students to do the commercial insurance, but insurance premiums student groups, the general price is not high, the insurance payment received by the small amount of the maximum also to thousands of dollars of money.

It is noteworthy that the additional medical insurance in general, as this kind of insurance usually a one-year insured. Renewal period for each year, insurers need to re-review of the insured person's health status, job changes, etc., and then decide whether to continue underwriting, or the need to increase premiums and so on.

In a market economy conditions, as social individuals, to improve self-protection awareness, strengthen self-preventive measures, not only for personal responsibility, but also their families, and society. Participate in the commercial insurance is a concrete manifestation of this responsibility. And all the key: to buy their own should first understand what the commercial insurance.