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Anonymous users2024-02-12If the reason for refusal is not established, the insurance company shall conduct a physical examination of the insured when applying for insurance, and the insurance company will only agree to apply for insurance if there is no physical examination or physical examination is in good health; 2. There is no causal relationship between high blood pressure and gastric cancer. Find a lawyer to send a letter first, and if it doesn't work, go to court to sue him.
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Anonymous users2024-02-11In the insurance contract, the policyholder has one of the most basic obligations, that is, the obligation to tell the truth, that is, to tell the insurer the corresponding parking situation.
Article 17 of China's Insurance Law stipulates:
When concluding an insurance contract, the insurer shall explain the terms and contents of the insurance contract to the policyholder, and may make inquiries about the subject matter of the insurance or the relevant circumstances of the insured, and the policyholder shall truthfully inform the policyholder.
If the policyholder deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract.
If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, and shall not refund the insurance premium.
If the insured fails to perform the obligation of truthful notification due to negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.
An insured accident refers to an accident within the scope of insurance liability as agreed in the insurance contract.
However, it should be emphasized here that only if the insurer deliberately fails to perform the obligation to tell the truth, the insurer will not be liable for compensation. The crux of your current problem is that for the critical illness insurance that your mother has taken out, what medical history does the policyholder have that cannot be insured or should be truthfully insured, and whether the insurer has explained this issue to you and asked you at the same time, which is very important.
Because you, as a non-professional, don't know what to talk about and what you don't need to talk about. Therefore, it is particularly important for the insurer to explain the terms of the insurance contract.
If the other party did not explain and inquire to you, how can it be determined that your mother deliberately concealed the facts and failed to tell the truth?
If you still have any questions, you can send a message to ask further.
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Anonymous users2024-02-10Prosecution may be pursued.
1. High blood pressure is not a factor that induces gastric cancer.
Second, since the other party has collected the premium, that is to say, it recognizes the legitimacy of this contract.
3. Hypertension is not excluded.
Fourth, the other party can be asked to provide the insurance policy filled in at that time for reference, whether there is a provision on the insurance policy that hypertension patients are not accepted.
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Anonymous users2024-02-09This is the peace and happiness of children. Children's insurance with coverage type.
It is mainly life insurance + critical illness + accident + nursing care liability insurance.
There is not much point in attaching term life insurance.
As for pension or asset inheritance or something, just know it, don't take it seriously, hehe.
Exemptions are important, but it is also important to distinguish between the specific circumstances of the customer.
If you are concerned about medical care, you also need to add medical insurance separately, but it is recommended to change your thinking to buy a children's electronic card, which is more economical.
Ask your own ** person in detail.
Requesting a proposal, which is handwritten and does not have the nature of an official letter, is easily misleading.
Insurance purchase order:
1. Protect adults first, then children, because adults are children's insurance!
2. Buy protection first, then buy financial management, because health is the key to everything!
3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!
4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!
5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!
The specific recommendations for insuring your child are as follows:
1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.
2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.
2.Children's insurance, based on the basis of protection, then talk about education funds.
3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.
4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.
5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.
6.Remember the additional exemptions!!
6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.
7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.
After all, face-to-face communication is the most practical and effective way.
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