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大宅

積分: 1018


1#
發表於 07-2-2 18:18 |只看該作者

URGEN : 保單不保事項 - pre-aucicular sinuses 是甚麼??

我的BB在出世時耳旁有一小洞,在醫院接受了檢查,正常.但保險公司要求醫院提交報告後有以下條款,請問是甚麼? 有否大影響??

The hospital protection would be all-round covered except his pre-aucicular sinuses (we call it exclusion), that means just in case of any medication caused by his pre-aucicular sinuses, our hospital protection would not covered. the exclusion is just refer to this point, not the others. All the other parts of BB is fully covered.
For more, just in case this pre-aucicular sinuses disappears, after 2 years, we would consider to remove this exclusion frm the policy.

Our internal statment is listed : -

We will offer HC exclusion of pre-aucicular sinuses, in view of health history. We are willing to review case 2 years after disappearance of pre-auricular sinus.
After 2 years, we would consider to remove this exclusion frm the policy.


伯爵府

積分: 15074


2#
發表於 07-2-3 00:23 |只看該作者

Re: URGEN : 保單不保事項 - pre-aucicular sinuses 是甚麼??

mayleung, 意思係住院保障生效後, 如果BB有同樣問題 (根據你意思係耳旁有一小洞) 而引致入院及治療的話, 保險公司不會作出賠償. 如果住院保障生效兩年後, 同樣問題無再發生的話, 可以申請將不保項目剔除.

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