[理賠]現在遇到意外險實支實付的問題
各位版友好，小弟現在遇到一些問題，所以想請問一下
我買的意外醫療療是職業等級3
1.富邦AHR每次傷害保險限額 保額1000元
2.富邦MRB傷害醫療保險附約 保額3萬元
3.公司團保 限額3萬元
事由：當初騎車摔倒，左手腕為了扶車而扭傷，去看骨科照X光沒骨折，建議我持續復健
若想快點復原，可施打PRP(一針15000)，我問保險經紀人說可理賠，我就接受。
當天要注射時，也是跟復健時一樣拿健保卡和掛號費150元，施打完後跟我索取
注射費用15000元但退還我健保卡和150元(但那時不解為何退錢)
之後找保經要申請理賠，發現當天收據寫著(自費診)，我之前復健都是(健保診)
經詢問整個賠償費用他說可能只賠65%
(當初他是說MRB可以實支實付、AHR日額可轉實支實付)所以會有兩筆100%,
現在是MRB賠65% AHR不賠，這樣讓我覺得跟當初說明的不太一樣
因為說只要去 有健保 合格的醫院都可實支實付，所以我才放心使用想讓他快點
復原，線在繳了保費，聽了保經的建議，真要賠償時還出現這種問題
請問各位版友遇到這種情形該如何處理????
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