Buying insurance is buying protection
However, Mr. Qiao in Nanjing
bought CPC’s critical illness insurance
20 years ago when he got sick and applied for insurance claims
but the claim was rejected
and even the insurance policy was rejected In 2000, Mr. Qiao's wife bought a Changtai Ankang Insurance of China Pacific Insurance Company for Mr. Qiao. The payment period was 20 years and the annual premium was 594 yuan.
In 2015, Mr. Qiao was hospitalized for coronary heart disease and underwent surgery, which cost more than 100,000 yuan in medical expenses. However, when Mr. Qiao approached the Pacific Insurance Company staff and filed a claim, he was told that his policy had expired because he had not paid premiums since 2018. This made Mr. Qiao very puzzled, because I have been paying premiums before, but in 2017, when there was no money on the bank card, I gave Pacific Insurance a new card number. This card has always been rich, and the deduction was successful!
Mr. Qiao thinks that even if there is no successful deduction after 2018, the insurance company should notify them to pay the fee. Why did they just let the policy expire? Even though the policy lapses now, it was valid when he fell ill in 2015.
For this reason, Mr. Qiao called the customer service of Pacific Insurance many times, and went to Pacific Insurance for consultation, but he did not get a satisfactory answer.
Why did the insurance policy purchased by Mr. Qiao become invalid? Is the disease he suffered eligible for compensation?
In the Jiangning branch of China Pacific Life Insurance Co., Ltd., a staff member said after learning about Mr. are not eligible for critical illness claims.
The staff member said that what Mr. Qiao performed in 2015 was heart bypass surgery, not the "coronary artery bypass surgery" written in the insurance contract. However, Mr. Qiao believed that the two were the same thing. The staff called the claim settlement department to inquire about the situation, and the answer was still that the conditions for claim settlement were not met, and they also sent him a rejection notice and other materials.
Regarding this, Mr. Qiao said that when he applied for the claim, the staff only asked him to write a statement of the situation, and did not submit the insurance policy and other materials at all, so there was no such thing as sending him the materials.
At the request of the zero-distance reporter, the staff carefully understood Mr. Qiao’s policy failure and claim settlement, and the reply was that because Mr. Qiao used an old ID card with 15 digits, the bank There is a difference between the docking and the insurance company, resulting in unsuccessful payment and invalidation of the policy. If it is indeed because the staff service communication is not in place, we will negotiate with the company and apply for the restoration of the validity of the policy.
As for the insurance company’s statement, Mr. Qiao expressed that he could not accept it. He believed that, no matter what the reason, as long as the deduction was not successful, the insurance company should contact him in time. His bank card and contact information have not changed. Unless the insurance company doesn't want to contact itself. The staff said that there were indeed objective reasons for Mr. Qiao’s failure to pay the premium, which resulted in the lapse. The company has decided that it can help Mr. Qiao restore the effectiveness of the policy, as long as he pays the premium.
After on-site communication, at present, Mr. Qiao has refilled the claim application materials. Pacific Insurance stated that they will review and make a decision on whether to settle the claim according to the regulations. Regarding this matter, "Zero Distance" will continue to pay attention!
(Nanjing zero distance)
