A 43 year old lady suffered from cancer two years after being insured, and the insurance refused to

Because the insurance company stipulates that you need to do a physical examination before applying for insurance, you can only apply for insurance if you are in good health, and if you conceal your illness, the insurance will not be established.

The reality is that for insurance companies, if they have a disease, they will not pay a claim at all.

The main reason why the party told the truth and did not compensate is that there are still some problems with the content of his insurance, and there is no compensation in the end, but such an insurance company is really a pity.

A woman in Beijing purchased critical illness insurance from Huaxia Life Insurance Company in 2019, and was diagnosed with breast cancer after a year and a half of insurance. It was determined that she had "gross negligence and failed to fulfill the obligation to tell the truth", cancelled the policy, and refunded the premium of 23,000 yuan. Now that such a problem arises, it is the insurance company that should be held responsible:

1. The woman did not conceal her illnessThe woman did suffer from cervical disease before applying for insurance, and she also clearly informed the insurer that she had cervical disease, and the other party said that "it does not affect the insurance". In addition, she said that she had never had high blood pressure and had never seen a doctor. Therefore, it is not a "failure to fulfill the obligation to truthfully inform" as the insurance company claims.

Second, under the guidance of the policyholder, the information is filled in, as the woman said, "when I bought the insurance, I informed the insurance person, and he guided me to fill in the personal situation notice, and now when the insurance is out of the way, he said that the words of the insurance person cannot prevail, and the consumer can not distinguish it." "It's true that consumers shouldn't have to pay for it.

3. There is a problem with the company's regulations The ** person said that when buying insurance, the customer did truthfully explain to himself that she had a cervical disease and had also been treated in the hospital, "I went to ask my colleagues in the company at that time, and they said that the impact was not great, so they signed the policy normally." Now the reason given by the company for refusal of compensation makes the insurance person very surprised, and he is also very embarrassed. The company's regulations are not clear, and it must be the company's problem for employees to let consumers take out insurance in ambiguous situations.

Sometimes there may be mistakes in some procedures, but the policyholder is really not at fault, and it is the insurance company that has a problem. The mistake is also in the policyholder, before you swear that there is no problem, I hope you can apply for insurance as soon as possible, and the process is also very fast. However, when you need to apply for a claim later, there are various regulations, so insurance and investment and financial management need to be cautious.

Yes. Because the insurance company does not fulfill the agreement and refuses to pay for various reasons, it is indeed the problem of the insurance company.

This depends on the situation, if the woman has been diagnosed with cancer before buying insurance, then in this case, the insurance company does not have to pay. If cancer is not detected at the time of purchase, then it is unreasonable for the insurance company to do so in this case. Normally, you need to do a physical examination to buy insurance, so this woman can theoretically go to the claim.

Nowadays, there are a lot of insurance routines, and they are all word games, so when you buy insurance, you must read the terms of the contract.

I think it's the insurance company's problem, if something happens, I won't pay for it, and I say this and that when I buy insurance. When things come out, they shirk it.

It is the problem of insurance companies, and there are many hidden clauses in insurance companies, which many people will not notice when they buy insurance.

It's the insurance company's problem, since you buy insurance, you should be responsible for the woman, and you shouldn't feel responsible when you are by the woman's side.

No. Critical illness insurance covers illnesses that are stated in the contract, but if they are not covered by this range, they cannot be claimed.

Because the insurance company doesn't pay for this and doesn't pay for that.

Normally, it should be paid out normally. If there is no compensation, the goddess can take up the law to protect her rights and interests.

This is because the woman did not meet the requirements of the insurance company to claim when she applied for insurance, so in the end the critical illness insurance was denied.

Before the woman bought the insurance, she felt unwell and had a history of hospitalization, and the insurance company believed that this was an insurance fraud, and it was reasonable not to make any compensation to the woman.

It was due to the fact that the man's contract with the insurance company was not withdrawn. After that, the required policy costs are directly deducted from the insurance company's account. So the man sued and received compensation.

Because the man's disease was clearly written when he first took out the insurance, the insurance company had to pay the claim.

Because he didn't know that he had cancer when he applied for insurance, I think it is necessary to buy insurance, after all, in life, who doesn't know if an accident will come.

Many people will buy insurance for themselves, in order to hope that when they encounter an accident, they can reduce their pressure, but in real life, it seems that insurance is not so reliable, this is not a woman, because of the insurance problem and the insurance company sued the court, the woman suffered from cancer and claimed 600,000 yuan from the insurance company was rejected, so in order to protect his rights and interests, he sued the insurance company in court. After further understanding, we learned that the reason why the insurance company rejected the woman was because in the insurance clause, there was a corresponding exemption clause stating that if she became ill within 180 days of insurance, she would not enjoy the corresponding protection, and the woman just met this condition, so she was rejected. Therefore, the terms of insurance are very important, and you must read them carefully when buying insurance, so as not to make your own way.

So what should we do when we have a disease knowledge and we need to use insurance to reimburse it? Let's take a brief look at the demolition of the big bury family. <>

First of all, you need to report the case, if you buy the corresponding commercial insurance, you just need to use him, we need to report the case first, so that the insurance company will accept it, we call the corresponding customer service ** to report, the insurance company will have someone to contact us, and investigate our situation, and you can initiate a claim after it is correct. <>

Secondly, the amount of the payout. For the amount of insurance compensation, generally speaking, it is used to supplement the reimbursement of medical insurance, that is to say, the expenses used in our ** disease are reimbursed by medical insurance first, and the remaining self-payment part is reimbursed by the corresponding insurance company. The specific amount of reimbursement needs to be determined according to the different insurance products of different insurance companies.

Therefore, the significance of insurance is very important, we must develop the habit of buying insurance, so that we can make ourselves prepared, so that we can minimize the risk of our own family, so hurry up to buy an insurance for your own family.

The insurance company believed that the woman knew that she had cancer before taking out the insurance, and the insurance clearly required that the policyholder should be physically and mentally healthy at the time of insurance, and the female Bo Laozi, as a staff member, should send her brother to understand, so she rejected the claim.

It should be that the insurance company thinks that this woman is interested in insurance purposefully, and she already knows that she is sick, so she will buy insurance.

The insurance company claimed that there was an exemption clause in the contract and that she should not be compensated for the onset of illness within the 180-day waiting period, and Ms. Mi sued her in court. The court held that the insurance company did not explain the exemption clause for Ms. Mi Maheng, and that she became ill within 180 days without evidence, and finally the insurance company was awarded full compensation in the first instance.

What happened to the woman's cancer claim of 600,000 yuan after being insured and rejected by the insurance company? Don't you pay for insurance when you buy it? What are the reasons for the insurance company's denial?

First, the insurance company did not explain clearly to the customer that it should be compensated

First of all, when the insurance company signs the contract with the customer, it does not clearly explain to the customer that there is an exemption clause in the contract, then the customer is unaware, and the customer thinks that as long as he suffers from illness, he is eligible to apply for compensation. Secondly, let's talk about why there is no claim for onset within 180 days? This is just to prevent some people from cheating on insurance, and you think about it, if a person knows that he has cancer, and then he buys critical illness insurance, so that he can get a lot of money, then the insurance company will not lose money.

Second, don't talk about color change, some insurance is still necessary to buy

However, I personally suggest that financial insurance is not too necessary, separate accident insurance and critical illness are enough, and the cost will not be too high. But if the other party mentions it, if you are not satisfied, then you should not buy it, and don't take chances.

The reason is that the effective date of the contract has not yet arrived, and the woman's cancer is only one day after the contract is signed, and their effective date is three days later, so it is not covered by their insurance and the compensation is refused.

The reason for the insurance company's refusal was that they felt that the woman had deliberately taken out insurance after suffering from cancer, and that there had been insurance fraud.

The insurance company determined that the woman chose to apply for insurance after learning that she had cancer, which obviously had a strong purpose and did not comply with the claim rules.

The reason for the insurance company's refusal is that the insurance company refuses to pay because there is a clause in the contract that exempts the insurance company from liability, and if the illness occurs within the 180-day waiting period, it can not be compensated. Eventually, the woman took the insurance company to court

The reason for the insurance company's refusal is that "the onset of illness during the waiting period and the refusal to make a claim". However, in the end, the court ruled that the insurance company could not provide evidence of the woman's illness during the waiting period, and demanded that the insurance company pay the full amount.