Artest a well-off in the insurance 2 the insured do not fight for their own conditionambush Insuran

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

Well-off: Atai, you can say that this insurance in the end the letter呀. Here's the news, saying it was a woman in March 2003 at Taikang Life Insurance Company for their insured a "major disease Taikang Life Care for life insurance," insured less than a year, the woman admitted to the hospital due to illness, have been diagnosed as "myelodysplastic syndrome." In August 2004, the woman died of illness, his family claims to insurance companies, but the insurance companies said that she had not shown that their own illness, refused claims.

Ron Artest: You said, I've also read this news, I feel quite justified the practice of insurance companies. You see, news reports said the woman since 1999, saw patients in many hospitals, has been diagnosed with thalassemia, megaloblastic anemia, chronic atrophic gastritis. Can be insured, when informed by the insurance contract, she did not say his real condition. Well this is not cheating.

Well-off: but these are not the final illness led to her death呀?

Ron Artest: You do not know, there are a lot of disease is intrinsically linked. Insurance companies ask you to tell their own illness, is to be considered under the terms of the contract conditions, or increase the premiums, or part of the responsibility exemption. People insurance contract is a big risk, we can not know that you are sick are not specified any restrictions to let you insurance, so insurance companies nor is it fair Well.

Well-off: if someone can be a time when the insured did not know their condition do?

Ron Artest: That of course is another matter. However, from the news point of view, insurance companies lady doctor of the hospital prior to the relevant medical records to see where there are the lady readme history. This did not know of their condition, they do not speak a bit later.

Well-off: Oh, this is the work of insurance companies so thin呀.

Ron Artest: Do you want to, like the blood in the formation of major diseases is the need for a process. Shortly after the death of the insured sick, insurance companies, of course, be investigated. The integrity of the insurance contract is the largest contract, be sure their condition does not play the "ambush." Otherwise, like the lady, as died of illness, and insurance companies can only express sympathy. (Xiao-Feng Li actual writing)