[問題] 關於增額權
先向大家拜個年…祝新年快樂、龍年行大運~~~
手邊有幾張有增額權的保單
想要問問各位大大 (之後也會再向客服詢問)
某張的增額條款如下:
保險金額增加的申請
簽單時被保險人體位係標準體者,要保人得於本契約任一週年日檢具被保險人之健康
聲明書向本公司申請增加本契約之保險金額,所增加之保險金額每次不得超過簽單時
保險金額的百分之二十五,且須經本公司同意後,批註於保險單。但要保人於本契約
每屆滿五週年日或於被保險人結婚或其子女出生後之第一個本契約週年日提出申請時
,無須檢具健康聲明書。
要保人申請增加保險金額時,應補足增加保險金額後的保單價值準備金;其增加保險
金額部份之保險費則仍按被保險人原投保年齡計算。
我的問題如下:
1、按條款所示,保戶應該可以在每屆滿五週年或結婚或生子後提出增額申請,且保
險公司應該不會拒絕吧?有人一遇到可增額就一直拼命增額而且都成功的嗎?XD
2、如果非上述情況,而是在任一週年日檢具健康聲明書申請增額,成功機會大嗎?
因為過去保單條件很好,很想一口氣增加很多,保險公司會??(假設體況良好)
還請有申請增額經驗的大大幫忙回答
感謝!
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