Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Under the "Insurance Law," and honestly told that the insured, the insured person's legal obligations, medical insurance is only a means of assessing risk, the hospital checks are correct, and sometimes genuinely dependent on the insured's instructions. Because insurance contracts are contracts of utmost good faith, the insured a written inquiry to the insurance company shall have the obligation to truthfully tell, this obligation is not a result of insurance companies has been designated hospitals for medical examinations and exemption. If the insured breach of this obligation, there may affect the estimates of risk insurance, the insurance company have the right to lift the insurance contract in accordance with law.
"Insurance Law" Article XVI provides that "the insured intentionally conceal the fact that non-compliance with obligations to truthfully inform, or due to negligence did not perform truthfully informed enough to affect the insurer decide whether they agree or raise insurance premium rates, the insurer the right to terminate the insurance the contract. "visible, truthfully inform the insured is a statutory obligation, this obligation can not be due after the insurance company will be able to remove the physical. Imagine, if after medical insurance policyholders will be able to remove the obligation to truthfully inform bound to contribute to the occurrence of moral hazard, which is promoted by moral and social or legal norms mutually exclusive. Therefore, even if the insured failed to inform the patient's condition is the usual diagnosis of medical doctors to be able to find without notice, and insurance companies can only assume due to negligence arising from fault liability, while the insured should bear because they do not actually tell which produce legal consequences.
