[理賠] 收到中國人壽存證信函 要解除保險契約
內容如下
台端申請本公司第122***號保險契約「安心樂高終身壽險」及
「新康泰綜合住院醫療安心保險附約」保險金理賠一事,謹辦理及說明,請查照
說明:
一、台端於民國104/11/17以自身為要保人及被保險人投保本公司保險契約,
謹此敬表謝忱,並對台端於106/2/3因「陣發性心室上頻脈」赴醫治療乙事
已依約給付保險金在案(理賠金已下來)
二、另查台端在投保契約前兩年內即因接受檢查有「GPT 白血球 膽固醇
三酸甘油脂」等異常情形;投保前兩個月內即因「外耳炎」及一年內即曾因
「子宮頸息肉、乳房炎症」等疾患赴醫治療,對要保書告知事項之
書面詢問未據實告知,此舉已影響本公司對對危險之評估,依保險法第64條
之規定及上述保險契約(含主、副約),請諒察。
1.因為本身是醫療人員,每年都依規定員工健檢,檢查結果都大致正常,
偶出現紅字數值都稍高或稍低,並無構成疾病要件,健檢單上也沒建議要回診
2.外耳炎的部分 是外耳道長了一個像青春痘的小紅疹 擦藥後也沒大礙 也未影響聽力
3.子宮頸息肉在孕期發現 當下即夾除 也不須回診
4.104.5.27生產 乳房炎症是因為哺乳脹奶導致(幾乎很多嬤媽媽都有經驗吧)
請問這樣退保 合理嗎?
如果認為我帶病投保 為何又理賠給我?
今年做完心導管後 有疾病史 才要退保 那以後怎麼投保?覺得權益受損
請問大大有何高見嗎?
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