[討論] 右眼視網膜破洞,造成雙眼除外?
本人配偶因懷孕造成右眼視網膜有個破洞,隨後門診雷射補起來(右眼)
今年想投保敝人單位新光人壽的團體醫療險,
在健康告知聲明書中提及此事;
因而收到綜合聲明書-除外責任聲明書。
內容提及"雙眼因視網膜製孔所致雙眼及視力除外責任"
並詢問該保險承辦人員,確定告知右眼視網膜有問題,除外責任是雙眼,
該承辦人員說經詢問該保險公司專家得到結論是"一眼有問題,另一眼也容易有相同問題"
所以,除外責任是雙眼。
即使,我提出右眼病歷相關證明,除外責任亦是雙眼。
我只是覺得這樣推斷,似乎有失公允,而且我提出事實證明亦無作用,顯不太合理。
可否請板上熟悉投保事務的大大,解說一下,謝謝!
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