[心得] 富邦理賠過程分享
內人因為小產(委縮性胚胎)進行流產治療(吃藥),過程中因身體不適,掛急診.
診斷書上的時間超過六小時,因此向富邦(前安泰)申請"日額型住院醫療終身保險附約"的日額理賠,富邦以流產為除外責任為由,
拒絕理賠,後來我請富邦解釋除外責任中提到的"懷孕期間所發生之治療性流產"為何?
之後就沒下文,然後日額理賠就下來了.
節錄除外責任,部份修款如下:
除外責任:
懷孕、流產或分娩及其引致之併發症.但下列情形不在此限:
1.懷孕期間因子宮外孕、葡萄胎、毒血症、產後大量出血之住院治療
2.意外傷害事故所致之流產或懷孕期間所發生之治療性流產.
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