Take the case to the risk
When applying for short-term insurance, you must pay attention to the expiration time of the policy, determine whether the re-insurance is successful, and whether the effective date of the policy is continuous.
2. Case introduction
In January 2019, Ms. Chen took out a hospital medical insurance for her son with an insurance company for a period of 1 year, and if she was hospitalized within the scope of the insurance, she could pay up to 150,000 yuan in medical expenses per year. In April 2023, Ms. Chen's son was hospitalized due to illness, and after being discharged from the hospital, he submitted information to the insurance company for compensation, but the insurance company refused to pay the claim on the grounds that the insured had no insured policy.
3. Case analysis
In January 2019, Ms. Chen entrusted someone else to help her daughter insure a hospital medical insurance, and when she applied for insurance, she opened the automatic insurance function for the following year, and linked the policyholder's bank card for automatic deduction of premiums, Ms. Chen thought that she would not care about it if she linked the bank card, until April 2023, when Ms. Chen's son was hospitalized due to illness and applied for a claim, she found that the policy was not successfully deducted in 2020, resulting in the failure of automatic insurance, and the reason for the failure of the deduction was that the account name was wrong, and during the failure of the deduction, the company sent Ms. Chen 4 text messages to inform her to deal with it in time, but Ms. Chen did not read the text message and missed the grace payment periodIf Ms. Chen pays attention to the text message sent by the insurance company in time and pays the bill successfully, it will not affect the outcome of the claim this time.
4. Case enlightenment
I would like to remind you that you must carefully read the terms of the insurance when buying insurance, and pay attention to the following points:
1. Whether the policy is automatically insured after expiration, if it is not automatically successfully insured, it is necessary to manually apply for insurance to ensure that the insurance period is uninterruptedPay the premium in time within the grace period to ensure that the policy continues to be in force.
2. Don't think that after the first successful insurance, you don't need to pay attention to the expiration time of the policy and whether the payment is successful, and the policyholder must not have a fluke mentality, and take the insurance contract seriously to protect your own interests.
3. When making a claim, if the insurance company refuses to make a claim, you can find the insurance contract again, read the insurance terms carefully, and see if there is any information that can help you get a claim.
Contributed by: Zhanjiang Central Branch).