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Data:2009-12-12 2:34
Case:
Miss Wu, a long-term life insurance, and attached to a hospital medical insurance. Contributions during the year, although Miss Wu Contributions received a reminder notice to insurance companies, but because of busy with work, has not paid the renewal premiums, until three months before Miss Wu to the insurance company for Reinstatement. After the insurance company agreed to examine the complex effects for Miss Wu.
Shortly thereafter, Miss Wu hospitalized because of acute cholecystitis after discharge from hospital, she went to hospital insurance claims for medical insurance for staff regret to inform Miss Wu: Because the incident occurred in the observation period is a matter for hospital medical insurance exclusion and therefore can not claims. Miss Wu is very strange: not already handled a Reinstatement do, how, what observation period?
Analysis:
Failure is due to the insured is not paid within the grace period, renewal premium Ershi policy ineffective. The long-term life insurance is usually a grace period of two months, although Miss Wu's long-term life insurance policy expired, but within two years after the failed insurance company that she can apply to reinstate the same time, to fulfill this obligation to reinstate the time, if they meet the underwriting conditions and in After examination and approval by the insurance company, you can restore the effectiveness of the policy. But the complex effect is long-term insurance, additional insurance is usually the period of insurance is one year, after the expiry of the contract be terminated, it is not there reinstate the problem.
If Miss Wu also hopes to obtain additional insurance protection, you need to apply for the "Add-laws risk" procedure that is re-insurance additional insurance, the natural need to be recalculated from the time when the insured or the exemption period, and so the observation period. Efficiency in the complex before and after the date of resumption of effective observation during the period of illness, do not fall within the scope of insurance liability. Of course, if Miss Wu at each long-term life insurance premiums paid on time when they pay additional insurance premiums, would not have a long-term insurance policy lapse, of course, there is no need to re-attach insurance coverage issues, there will be no re-calculation of the period of observation or the exemption period.
