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Data:2009-12-12 2:34
"Observation period" means the insurance company in assessing the insured person's health information, agreed to accept the insured after a reasonable period of time to go through before we can accept claims. Also known as the "waiting period."
"Observation period" is a major disease, diseases, medical insurance and a specific period of insurance, no insurance companies insurance products are provided on the above, but time is not the same. In general, disease hospitalization insurance is 30 days, female diseases and certain diseases are 120 days, major illness insurance is 90 days.
"Observation period" of the establishment of an insurance company claims for itself an additional reason for refusal, but to a greater extent be able to protect more insured and the insured's interests. A few people like the body refused to health insurance, when his body a little problem, quickly look for insurance companies. If the insurance company claims, and on the integrity of the expense of other interests of the insured.
Development of the disease, there is a process. If an insured in the insurance come into force, make disease claims on the application, the insurance company will not be able to determine the cause of their claims, took place in the insured before or after the insured. In the establishment of an "observation period", the judge on the convenient, no need to prove cause of the insured or the insured person takes place. Insurance is the dispersion of the unknown risks, insurance companies are not pairs of known risks underwritten. "Waiting period" set up, from the source to prevent the occurrence of certain moral hazard, for all the insured and the insured should be impartial, fair and equal treatment.
