[討論] 關於中信人壽新住院醫療險附約
各位大大好~
小妹今年年中剛保了中信人壽新住院醫療險附約(有配終生壽險主約最低額度)
是我的第一張實支實付,主要考量住院醫療雜費理賠高,補癌症險不足
所以買到計畫三-15萬
但昨天一位保險業前輩告訴我,這張保險有問題!
是因為條款中第五條提到:
第五條 【住院醫療費用保險金之給付】
被保險人因第三條之約定而以全民健康保險之保險對象身分住院或接受門診外科手術診療
時,本公司按被保險人住院期間內或接受門診外科手術時所發生,且依全民健康保險規定
其保險對象應自行負擔及不屬全民健康保險給付範圍之下列各項費用核付。
一、醫師診查費及會診費。
二、在醫院使用之藥品(含醫師指示用藥)、注射藥液及注射技術費。
三、血液(非緊急傷病必要之輸血)。
四、掛號費及證明文件。
五、超過全民健康保險給付之住院醫療費用。
因有"住院期間"和"在醫院使用之藥品"的字樣,他認為標靶藥物目前都是在門診開立,此
張保單中有載明以上字眼,日後在標靶藥物的理賠會有爭議(因為有含出院後服用的量)?
想問各位大大看法如何?
另保單條款第七條也有寫到出院後門診腫瘤治療費用保險金的給付,條款上是寫接受放射
線或化學治療者......
http://mcintyre.pixnet.net/blog/post/45029549-%E6%88%90%E4%BA%BA%E4%BF%9D%E5%96%AE%E8%A6%8F%E5%8A%83%E5%BB%BA%E8%AD%B0
請問各位大大這部分適用於標靶藥物理賠嗎?是否認定標靶為化療方式之一?
因小妹的保單業務對於保單條款不夠了解(含蓄說法),當初是我自己蒐集資料做功課,
覺得中信符合需求而投保,但百密還是有一疏...沒有注意到上述問題
所以前來求助板上大大們,先謝謝各位解答^_^
--
Two roads diverged in a wood, and
I took the one less traveled by,
And that has made all the difference.
--
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◆ From: 42.72.236.53
※ 編輯: ofelia099 來自: 42.72.236.53 (10/14 21:38)
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