[理賠] 國泰 非自願性剖腹理賠問題
狀況:老婆第一胎非自願性剖腹,在第一胎生產後投保國泰的住院醫療險
投保後隔一年11個月因『胎位不正』剖腹
業務員卻說因『前胎剖腹』,故即使這胎有醫生證明非自願性剖腹
仍不予理賠!
但小弟翻閱保單,『胎位不正』是在除外責任之外的,應可理賠
於是小弟致電客服,卻回覆我們未主動告知前胎剖腹,所以才未
列在保單的除外責任!
擺明吃定我們未主動告知『前胎剖腹』不想理賠,但業務明知我們
前胎非自願性剖腹,投保時也未主動提醒
如今保單未排除非自願性剖腹不予理賠,我們還能據此要求理賠嗎?
需求板大們專業的建議
PS:國泰接二連三的讓人失望, 以後應該列為拒絕往來戶了~
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謝謝各位熱心回覆與回信!!
查詢了保單的投保要知並沒有詢問相關問題,既然沒有詢問我, 我也未簽除外
那應該能申請理賠!
小弟會先準備好相關證明, 自行申請理賠, 若不賠就申訴他們
※ 編輯: Saab93 (118.232.44.77), 07/01/2014 00:46:23
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