這種情況要不要撤銷契約?
大家好。
前陣子請保險經濟人幫小孩規劃了保險,
談妥內容後簽訂。但因為那陣子小孩剛好因為感冒去看了幾次醫生,
又是在投保前二個月內發生的事,所以很誠實的告知有因為感冒流鼻水看過醫生。
後來,保險公司請我們補附診斷證明書,我們也請醫師開了診斷證明書,
奇怪的是,當時小孩都是因為流鼻水去看醫生,醫生也告訴我們只是稍微傷風感冒,
但後來醫生開的診斷證明上面卻寫了腸胃炎、大腸炎,
(雖然有註記已經痊癒,無後遺症)
現在保險公司核保下來了,但卻多了一個免除條款,
也就是說,將來如果是因為胃腸炎、大腸炎及其相關併發症所致的保險事故,
保險公司可以免除給付。
我們跟保經都無法接受這樣的免除,
後來保經打去詢問,保險公司說這個免除是可以撤銷的,
如果之後一年內小孩子都沒有這個症狀,我們可以申請撤銷這個免除但書。
(但這個說法沒有白紙黑字寫一年後可以申請撤銷,
只是對方口頭上承諾,說他們內規都是如此辦理)
跟保經討論過後,因為目前規劃的保單內容還滿符合我們的需求,
所以我們目前的想法是:
一、接受這樣的條款,另外增加別家的實支實付,以cover掉原本這家免除的部分。
但風險是如果這一年內小孩子有因為腸胃問題就醫,對方還是可以繼續主張免除,
而我們的擔憂是,小孩子偶而鬧肚子、腸胃不舒服似乎是很常見的情況,
那不就等於保險公司可以一直主張免除下去?
二、或者,我們可以先撤銷契約,等半年後沒體況再重新送件?
這樣保險公司會接受嗎?會不會因為之前送件的紀錄,
之後還是主張有條件的承保?
三、或者版友會建議直接放棄這家?其實這是我們原本最初的想法,
只是後來發現類似的保障內容,似乎還是原本這家比較便宜。
因為目前都是我們跟保經討論而已,很想請大家給些建議,謝謝!
--
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討論串 (同標題文章)
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