[問題]請問意外醫療險的理賠範圍
小弟保意外醫療險,可選擇日額或實支實付型
日前因打球膝蓋韌帶受傷住院開刀
醫生於診斷證明書中註明術後需使用膝關節固定器(可以慢慢調整角度的那種)
並需定期回診及復健治療
但現在對方卻不願意理賠膝關節固定器
理由是戴護具沒有醫療行為,並說僅產險才會有理賠
但當初保險業務說會賠,而且我聽過其他病友也有謢具獲賠的經驗
其實這只差5,6千元而已
但我氣的是他們的態度,只說會再加強教育,對之前說法完全不認
請問版友有過類似經驗嗎?該如何保障自己的權益呢?
萬分感謝分享<(_ _)>
(還有我回診榮總數次對方說我是用自費看診,掛號費硬是打了7折
現在手邊沒單據也無從核對,但理論上我看病都正常使用健保卡
應該是健保身分才對阿)
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