It is difficult to claim the critical illness insurance bought by a woman with kidney failure, why?

Critical illness insurance is difficult to claim, it is likely to not meet the requirements of claims, usually commercial insurance is reliable, but you need to identify large companies when purchasing, do not blindly follow the trend, be sure to choose the type of insurance that suits you, you can find a professional insurance broker when purchasing, read the terms of the contract clearly, so as to avoid disputes when making claims.

If the insurance company fails to truthfully inform such a highly professional critical illness insurance, the salesman should explain the scope of the claim in detail when selling, especially for those that do not belong to the scope of the claim. Otherwise, the insurance company will have to bear the corresponding liability for the claim. "Although it is stipulated in the insurance clause that this kidney disease can only be claimed if it meets the uremia standard, if your insurance company has not fulfilled its obligation to tell the truth, it should be interpreted unfavorably to your insurance company, that is, you should make a claim.

The insurance contract is a typical standard contract, because of the professionalism of the terms and the obscurity of the insurance terminology, once the salesman can not clearly explain, it will cause the information asymmetry between the policyholder and the insurance company, which is unfair to the policyholder and violates the principle of good faith of the insurance law. Here we also remind consumers that when buying insurance, they should first choose insurance companies carefully, and secondly, they should also choose insurance products reasonably, and do not blindly follow recommendations.

The main thing is that I don't want the company to compensate for this ** expense, which is not particularly reliable at present, and there are many situations where I am unwilling to make a claim.

Because the insurance company didn't want to make a claim for the woman, it would find a lot of reasons why commercial insurance was very unreliable.

Because this woman has the phenomenon of insurance fraud, she bought the insurance after she found out about her illness, so the insurance company will refuse to make a claim. Commercial insurance is certainly reliable.

This is when purchasing, I didn't read the text on it clearly, so there is such a result, commercial insurance is also unreliable, there is no need to buy.

The reason for the insurance company's refusal to settle the claim is not clear, but I think it must be the same old thing, you don't meet one of the terms of the contract, as for whether the commercial insurance can be reliable, I think it is still reliable, but the premise is that you have to choose a reliable insurance company.

Legal Analysis: According to the coverage of critical illness insurance, kidney failure is covered by the claim. However, the specific terms of the insurance will depend on the contract of the different insurance companies.

Legal basis:1Article 61 of the Insurance Law: The insurance contract shall not violate the mandatory provisions of laws and administrative regulations.

2.Model Critical Illness Insurance Clauses: The critical illness insurance company shall pay the insurance money to the insured in accordance with the contract, and the insurance money shall be used to pay for medical expenses, living expenses and other necessary expenses.

3."Medical Insurance System" Lu Shu: Kidney failure is one of the major diseases, within the scope of medical insurance, the insurance company should bear a certain amount of liability.

Summary: When purchasing critical illness insurance, you need to carefully read the terms of the contract to ensure that the insurance you purchase is consistent with your own situation and in accordance with the law. If you have kidney failure, you should contact your insurance company in time to make a claim.

Legal analysis: Critical illness insurance is an insurance that guarantees personal safety, and you need to check the insurance contract for specific claims. Depending on the terms of the insurance, claims are usually subject to limitations such as waiting periods, specific conditions, and exclusions.

If the kidney failure meets the definition of critical illness specified in the contract and meets the conditions of the insurance contract, the insurance company shall fulfill the liability for compensation.

Legal basis:1Article 62 of the Insurance Law: When an insurance company concludes an insurance contract with the policyholder and the insured, it shall follow the principle of fairness and reasonableness and clarify their respective rights and obligations.

2.Article 34 of the Regulations for the Implementation of the Insurance Law: The critical illness insurance contract shall clearly stipulate the insurance amount, insurance period, insurance premium, insurance liability, insurance payment standard and payment conditions.

3.Critical Illness Insurance Terms: The definition, waiting period, and payment conditions of critical illness are stipulated, and the contract shall prevail.

Summary: Whether kidney failure can be covered by critical illness insurance needs to be determined according to the specific provisions of the insurance contract. It is recommended to read the insurance terms carefully before applying for insurance to understand the insurance liability and compensation standards to avoid claims disputes.