[問題] 退院療養金的問題
這來龍去脈有點長 我盡量說得容易理解些
家母於6/28~8/17期間住院 總共住了50天(或51天 在此以50天計算好了)
住院日額是1000元/天 退院療養金是500元/天
總共領了50天的住院日額+50天的退院療養金
50*1000+50*500=75000
然而在8/17退院後的第7天
家母又必須入院 這次從8/24~8/29 住了5天
理論上應該這次申請理賠的金額是5天住院日額+5天退院療養金
5*1000+5*500=7500
但是我的業務告訴我
因為之前領了50天的療養金 但是家母7天後就又住院了
所以必須退43天份的錢給公司
-500*43=-21500
所以我們這次申請理賠的錢不夠還公司 保險公司還要跟我們追討餘款
請問這樣是合理的嗎?
這樣早知道第二次住院的時候 我們就不要申請理賠了....
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◆ From: 61.30.32.169
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對不起我日期打錯了 已更正
另外有板友提到中國人壽的確有過相關規定
希望我把產品名稱寫出來
我查了一下 整張契約內容是
迎向陽光終身壽險(甲型) 30萬
重大疾病豁免保費保險附約
殘廢保險金附約 30萬
新萬全傷害保險附約基本型(本人) 100萬
意外醫療(本人) 3萬
附加意外傷害日額償金(本人) 1000
中國人壽住院健康保險附約乙型(本人) 1000
中國人壽新康泰綜合住院醫療(本人) 10單位
防癌終身健康保險附約(個人) 60萬
民國92年契約開始
家母是因為癌症住院
開刀部分姑且不論 這裡只討論住院日額保險金
如果有熟悉的板友願意解惑 在此謝過
※ 編輯: reinakai 來自: 114.24.95.38 (09/23 20:00)
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對不起
因為本來只是想要舉例說明
詳細單位數我補在上面
※ 編輯: reinakai 來自: 114.24.95.38 (09/23 23:27)
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