Re: [問題] 退院療養金的問題
迎向陽光終身壽險(甲型)
重大疾病豁免保費保險附約
殘廢保險金附約
新萬全傷害保險附約基本型(本人)
意外醫療(本人)
附加意外傷害日額償金(本人)
中國人壽住院健康保險附約乙型(本人)
中國人壽新康泰綜合住院醫療(本人)
防癌終身健康保險附約(個人)
^^^^^^^^^^^^^^^^^^^^
其實原po碰到的是一個常見爭議...
主要問題是出在防癌那張上
原po沒有寫的太詳細 不過這裡其實影響很大...
非日額給付的部份應該是原po省略了
但是原po文中說的1000日額
是來自"中國人壽住院健康保險附約乙型"
還是"防癌終身健康保險附約"?
兩張商品的條款其實是不一樣的
前者的出院療養金是"實際住院日數乘以日額的百分之五十"
後者的出院療養金是依"實際在家療養日數"
後者就是常見的爭議來源 也就是原po所碰到的
其實金管會也有注意到這點了 可以參考這篇
http://www.im.tv/blog/samurai/966834
至於實務上..就我所知這問題算是尚未解決
至少絕對不止一間公司 在碰到條款寫"實際療養日數"時
確實是只給付兩次住院中間的天數的....
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