46-year-old woman insured cancer 1 year, and 250,000 critical illness insurance was refused compensation! Why don't you tell the truth and pay for it?

In our present society, there are many people who want to buy insurance, but few people will really buy it. The main reason for this result is that many people buy insurance but can't get compensation. This situation is not only a waste of money, but also a physical casualty alone, which is really tiring.

However, what everyone sees is only the appearance. In fact, most insurance companies will make claims as long as they meet the claims conditions. Next, I will show you a real case that happened recently to see if insurance is really difficult to settle claims.

0 1, real case

On September 5, 2065438+08, 2065438+08, Ms. Liu, 46, bought a life-long critical illness insurance in a local insurance company, with a premium of 5,000 yuan a year and a critical illness insurance coverage of 250,000 yuan. 2065438+At the beginning of May 2009, Ms. Liu was hospitalized for thyroid cancer and applied to the insurance company for compensation after discharge, but was rejected by the insurance company on the grounds of "not telling the truth before insurance".

For the statement given by the insurance company, Ms. Liu is very dissatisfied and thinks that the insurance company deliberately does not pay compensation. In order to get her share of compensation, Ms. Liu took the insurance company to court. However, the court finally rejected her appeal on the grounds of "insufficient evidence".

02, case analysis

Thyroid cancer is clearly covered by critical illness insurance. Why does the insurance company refuse to pay compensation? It turned out that, after investigation by insurance claims personnel, Ms. Liu was hospitalized twice for diabetes before 2065438+September 2008, but she did not tell the truth, which seriously affected the underwriting decision of insurance companies. Therefore, the insurance company has reason to refuse compensation.

However, for the insurance company's statement, Ms. Liu explained that she had told the salesman that she was "hospitalized because of high blood sugar" before the insurance, and it was precisely because the salesman said nothing that she dared to take out the insurance. In addition, Ms. Liu was still in court, showing a screenshot of the chat information with the salesman before 20 18 insurance.

However, due to the fact that the screenshots are mostly voice, the evidence is not effective, and the salesman responsible for docking Ms. Liu has already left her job, the court finally rejected Ms. Liu's appeal request as "insufficient evidence".

Therefore, it can be seen from Ms. Liu's experience that before taking out insurance, don't blindly trust the salesman. In addition, if you want to protect your insurance from being refused compensation, you must keep in mind the following two points.

03, how to prevent the claim from being rejected, these two points must be kept in mind.

(1) Fill in the health notification form, and don't sign it in a hurry.

Before taking out insurance, you must carefully check every item on the health notice, and don't sign it in a hurry, because some salesmen will only ask about basic medical care and hospitalization if you don't take the initiative to ask questions, but in fact these questions they ask don't exist on the health notice, so you should pay attention to this.

(2) In order to prevent claims from being rejected, pay attention to leaving evidence before insurance.

In the insurance industry, there are always some bad insurance salesmen who deliberately mislead customers to insure for their own interests. Just like the salesman in the above article, although he took the initiative to ask about the health status of the insured, he did not report the real situation to the company, and he did not know that doing so would seriously affect the later claims of the insured.

In order to prevent this from happening, Bao Ge suggested that before signing the contract, you should send the information to the salesman in the form of words or pictures as much as possible, and then save the screenshots as evidence. If it is an oral conversation, be sure to remember to record it in case of emergency.