Man gets cancer after enrollment and his $300,000 critical illness insurance policy is denied! Is the fact that the medical insurance card has bought drugs for parents a reason for denial of claims?

When it comes to health insurance, I believe we are certainly no stranger to it, health insurance and our lives are closely related, not only can help us save the cost of outpatient registration, but also can be used to see the doctor to buy drugs, the function and use of a very wide range. That's why health insurance has always been favored by the general public. However, we do not know, in fact, health insurance in the use of the process, there are some norms prohibited, if you do not pay attention, it is likely to have a great impact on your own interests.

So next, I will use a side of the example for you to explain, health insurance in the end what need to pay attention to the place, if you do not pay attention to what harm will arise?

01, real cases

This is a real example around me. The person concerned is my old classmate Hongmou (a pseudonym), two years ago, Hongmou in through the introduction of friends, in Tianjin, an insurance company to buy a critical illness + medical combination of insurance, the amount of coverage of 300,000, a year premium of 2800 yuan. In March this year, Hong was found to be thyroid cancer, in order to raise the costs of treatment, Hong to the insurance company to file a claim. But I did not expect, the insurance company received the relevant information, but a mouth to the refusal of the claim, the reason is that "with the disease insurance".

Hong is very confused, he has never been sick before, why the insurance company said he was insured with the disease, this is not a falsehood?

02, case study

No disease, but was "insured with disease" as the reason for the refusal to claim, this is why? Is the insurance company looking for a fight? In fact, not, and for the insurance company why the "with the disease insurance" argument, the relevant claims adjuster said, the insured Hongmou medical insurance card in 2015-2016, there have been a number of pneumonia, bronchitis hospitalization records.

After learning about the situation, Hong only reacted to the original records are their own previous use of health insurance card to buy drugs for parents, because the family lack of money, just health insurance card has a discount, so at that time, Hong did not think too much about it, and directly to the parents used to brush. But I did not expect, simple a few brush card, but to their own claims caused so much trouble.

Possibly see here, there are still people do not understand, and not their own disease, why refuse to claim? In fact, a little understanding of insurance people should know, insurance companies pay attention to truthfulness, and medical card medical record is as an important reference for the insurance company's claims, once the medical card is found to have any impact on the underwriting of the disease medical record, basically, you will be judged as fraudulent.

03, medical insurance card borrowed, will be rejected?

Strictly speaking, everyone has their own health insurance card, so they can only use it themselves. So is it true that if you borrow your card, you'll be denied a claim?

(1) If you have borrowed your health insurance card to buy medicine

If you lend your health insurance card to others to buy cold medicine or other medicines, it basically won't affect the insurance claim, but you need to pay attention to the fact that you don't want to lend your health insurance card too often, like lending your health insurance card to others to buy more than 10 medicines in a month. The first thing you need to do is to get a good deal on a new product or service, and then you'll be able to get a good deal on a new one.

(2) If you've been hospitalized or lent your health insurance card to someone else

If you've been hospitalized or lent your health insurance card to someone else before you took out your policy, be sure to tell your insurance agent before you take out your policy to avoid being denied a claim later in life.

Nowadays, the insurance companies are more strict on the medical records of the medical insurance card, and the medical insurance card is also related to the people to see the doctor to buy medicine, so it is recommended that, in addition to the use of their own, it is best not to lend out the medical insurance card.