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内容简介
男子花6800买了一份寿险，身患重病后被保险公司拒赔，凭什么？ 花钱买保险，为的就是能够在自己生病住院的时候，保险公司能够出钱治疗，避免产生较大的家庭经济损失，但如果买了保险却没钱赔，自己不仅要承担身体上的痛苦，还要承担巨大的家庭经济压力，这买保险又有何用？ 01 案例详情 案例详情 这件事发生在今年2月份，杭州市民刘先生为去年6月底的时候，为自己买了一份6800元的分红型终身寿险，今年2月初，刘先生因为罹患胰腺炎住院治疗，半个月花费了将近3万元。 因为在自己投保之前，刘太太听邻居说他丈夫因胃炎住过院，通过保险报销了3000元的治疗费。所以她也马上向保险公司申请了理赔，但遗憾的是，保险公司最终以“保障责任中不含医疗保障”为由拒绝了刘太太的理赔申请。 02 案例分析 案例分析 或许大家对此会有点不理解，同样是生病住院，为什么邻居家就能通过保险进行报销，而刘太太却被保险公司拒赔呢？其实这个问题很容易理解，所谓种什么花，得什么果。买什么样的保险，承担什么样的责任。因为在投保之前，刘太太本身并不懂保险，所以在业务员的推荐下，买了分红型终身寿险，但了解稍微对保险有一点了解的人都知道，寿险只保障死亡，只有被保人身故，保险公司才会赔偿。 所以啊，保哥建议大家，不管你对保险的需求有多大，在投保之前，都要提前分析好自己需要哪种保障，然后根据保障范围去选择险种，千万不要一味地跟随业务员推荐，否则损失最大的还是你。 03 对于本案例的总结，共有以下3点： 对于本案例的总结，共有以下3 点： （1）在上述案例中，刘先生所购买的是寿险，但其实刘先生真正需要的是重症医疗险，那么从这里就可以看得出来，如果你购买的险种不同，所得到保障也大不相同。而如果被保人所遭遇的保险事故和投保险中不对应，保险公司也自然不会承担理赔责任。 （2）案例中所出现的分红型终身寿险，我并不建议大家购买，首先分红型保险本身就不是纯保障产品，而是带有保障性质的理财产品，这种保险通常保障强度低，而且保费很贵，根本不适用于我们普通家庭。从近今年发生的保险纠纷案例来看，我们更需要的是消费型保险，这种产品不仅保障更全面，而且性价比也非常高，值得我们购买。 分红型保险 纯保障产品 带有保障性质的理财产品 保障强度低 保费很贵 （3）要想避免自己在理赔时被拒，除了要提前规划好自己的需求之外，在投保之前也要记得如实告知，如果业务员在询问相关过往病情的时候，要记得业务员问什么答什么，不要少答也不要多答，这样也是为了避免理赔时产生不必要的纠纷。 如实告知 举报/反馈
