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Tel: 13981864197, service QQ: 62620 story from: Jinan insurance network
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elemental, for of work oppression, work in IT in Chengdu, think the recent Miss Sun to purchase their own copies of critical illness insurance. As the insurance policy involved a lot of medical problems,Lacoste Gravitate Trainers, Miss Sun, amuse own a lofty educate classmate, now a student at Nanjing Medical University Master Chen to the guard, the guard did not think the problem out.
the insurance company to pay, it is difficult to know. knife is not a pain to endure?
Miss Sun questioned whether justified? How will insurance companies respond? Last week, this reporter conducted an interview.
question:
aortic surgery must be You OUT!
Miss Sun
to verify the statement, the reporter provided the first look of her insurance policy. The critical illness insurance contains a absolute of 30 major diseases, including disability, illness, keen myocardial infarction, and Miss Sun questioned the In agreement with the terms of the insurance companies for their definition as: artery and abdominal aorta, excluding the thoracic aorta and abdominal aorta branch vessel. artery angioplasty is not within the scope of protection.
condition is not especially critical, the hospital is generally accustom stenting. , fewer anguish by the patient, the patient's household and has now convert the favored hospital,
Miss Sun said that until the major diseases that claim so long as the insured human is suffering from a major disease provisions, the insurance company will pay amends, but now hear to a friend explained later discovered that not merely the search to win compensation below the insurance contract the disease, some diseases also must follow the terms of the path to remedy the job and to her ahead the issue of insurance deputies to sell this almost never warned themselves.
?

precedent: not
Miss Sun concern is justified? Aortic surgery are not Reporters in the online quest, I really did not anticipate the recent similar location. Anhui, a medium October 21 of a title as
reported, Hefei human since January this year, Mr. Zhang bought from an insurance company's $ 120,000. In June,Womens Lacoste Trainers, Mr. Zhang Hefei due to aortic aneurysm was admitted to the First People's Hospital, emulated at a doctor as the surgery. After unload, Mr. Zhang with their own medical records, insurance demands to insurance companies, the insurance enterprise but was rejected.
also so numerous points?
on Thursday, the reporter's call call to the Hefei Zhang himself. He told reporters that a few months for the insurance claims are the entities to referee with insurance companies,Lacoste, it seems, because he did not Today I also went to the insurance company negotiations, hoping to accommodate disbursement of $ 50,000, the insurance company said I would report on the situation Corporation, answer within the afterward week.
view: insurance policy is outmoded?
With the development of medicine since
,Womens Lacoste Arin Trainers, such as aortic disease has a kind of treatments, why insurance companies should cling to the How ought the client has to see at medical insurance plan after the development of situation? To respond these questions, final week, journalists from local medical professionals in Chengdu and the insurance manufacture in an interview.
local hospital:
Paul is rational
exclusions thoracic surgery
correspondent first with the pertinent insurance contracts,Lacoste Prep CB Trainers, and Mr. Zhang's case, and a hospital in Chengdu, Mr. Xu for the exchange of experts.
Mr. Xu Zhang Hefei
​​cases penetrated later the premier confirmed it is naturally a part of aortic disease, also confirmed the aforementioned medical Master Chen's assertion that the treatment aortic disease present
but Mr. Xu accented that though stenting is now the mainstream, but the is a 'classic' of treatment, in fact, whether the patient is particularly critical, such as the risk of a explosion pipe, it is still the preferred abdominal chest.
for Mr. Zhang's experience, Mr. Xu that not the disease itself, the two are fundamentally assorted.
Mr. Xu believes that there will be Mr. Zhang's insurance disputes, insurance companies and policyholders have a decisive duty, Even if insurance had not placarded when the content of the articles, after the chance should also be active with the insurance company at the same time and the hospital attach, the 3 parties to consult the best treatment approximate, in array to dodge future claims discussions.
insurance companies:
This is a mutual problem international insurance industry
local insurance company for this case is how to treat it? In this articulation, a reporter last week, and Chengdu, the insurance company underwriting Wang, brain of the commute.
Mr. Wang said, Mr. Zhang, a similar situation does exist, the insurance company naturally only in terms of the insurance contract after the accident to the insurance claims. Mr Cheung's case is concerned, Mr. Cheung has a claim if I were you the disease occurred in terms of the accord, and had coincided to the surgery, really claims he only has access to 1 of the conditions.
Mr. Wang told reporters that the insurers use the critical illness insurance and use of standardized definitions of disease, by the China Insurance Association and the Chinese Medical Association, insurance companies, professionals and organizations, including 6 Chinese Academy of Engineering, including 32 medical, forensic specialists and participate in the development and in 2007 formally implemented. According to the meaning of insurance terms refer not only to diseases of major diseases, but also treatments such as major surgery.
Wang confessed namely, strictly speaking, critical cancer insurance is a Moreover, with the major expansion of health insurance scope, the uncertainty of the hereafter are increasing, insurance companies will face more risks, such as observation of risk (screening technological advances guide to more early detection of disease out), handle with risk (dispose increasing frequency), the risk of diagnosis (therapeutic or lawful point of view alterations), etc. Medical advances will make a lot of Can be said namely critical ailment insurance will not be a adult insurance products.
how consumers learn from the courses of Mr. Zhang's circumstance, Mr. Wang given the following recommendations:
1. cautiously read the terms of insurance, be conscious of;
2. Once the diagnosis of major diseases, the hospital will normally sets in patients with treatment, then we must promptly adjoin the insurance company to resolve if the claims, and insurance companies to listen to the treatment agenda views;
3. in the way of contacts with insurance companies, must pay attention to the conservation of testify, in the accident claims disputes, hence rights. The reporter
attention! These also need open heart surgery
in terms of critical illness insurance, not only thoracic aortic disease need to, the following diseases need to do so, in this paint attention to:
coronary aisle bypass surgery (also shrieked coronary aisle ignore grafting): refers to the treatment of severe coronary center disease, the actual implementation of the thoracotomy for coronary artery bypass bribe surgery. Coronary stent implantation, balloon dilation catheter, laser technology and other non-RF involvement of thoracic surgery, laparoscopic surgery is not covered.
heart valve surgery: refers to the treatment of heart valve disease, the actual implementation of the chest for heart valve replacement or fix surgery.
Zhihui Studio Tips:
purchasers and friends in addition to reference the txt of the proposition, but also pay care to the alternative of insurance blueprint options, and more ashore the conservation of their personal and family needs and circumstances to communicate with professional agents in the affair of insurance companies in Chengdu, has been specifically for a heap of critical illness insurance products to defend part of the exemption of insurance products. The reason why people absence insurance the most important reason is illness, injuries and other risks are considered too age to live less than when it happened and the cilia does not occur. Critical illness insurance product,Lacoste Carnaby Trainers, although similar, but if the insured has some economy capacity, and that in planning this special protection, you tin refer to combined into a more exhaustive increasingly significant risk of disease and protection planning.