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為兩老買醫保索賠被拒 網民呻:幫熟人買唔鬧得又肉赤
25 Apr 2022

近日有網民在「親子王國討論區」發文指,透過任職保險經紀的哥哥女友,為父母購買醫療保險後,入院後索賠時卻被拒,對此大感無奈,又不能責罵,但又感到不值。

發文者說,全家人都將保險事務交給哥哥及其女友處理,他們幫父母各自買了份醫保,買了幾年都一直無索賠過。最近媽媽夜晚睡覺時胸口痛,於是安排去私家醫院做檢查,一廂情願有醫保可以索賠,所以就聽醫生建議住幾日認真檢查,還是住半私家房。到出院之後,發文者就叫哥哥及女友處理索賠,辦了幾個星期最後拒批。原來醫療保單條款規定列明,這類住院是無醫療需要。

發文者認為,知道媽媽有責任看清楚條款,「但嗰時諗住係嗰囝同未來新抱,都會信任㗎啦,就咩都交晒俾佢哋」。豈料簽的時候甚麽都照顧充足,索賠時一句「公司唔批無辦法」了事。發文者覺得,「連屋企人都咁,我想像唔到如果其他人揾街外人agent買保險會點...」

網民猶豫應否取消父母保單自行去購買保險。unsplash圖片

發文者指,「鬧又唔鬧得,蝕就好心痛」雖然醫藥費就由哥哥跟她一起分攤,現在猶豫應否取消保單,自行去網上平台買保險感覺比較穩妥還比較便宜,但情況就好尷尬。


有網民留言指出,「其實係人嘅問題。不過我真係唔會幫熟人買保險,唔想最後連朋友都冇得做。」、「agent就像買大細,好agent可遇不可求。信人哋不如信自己,屋企人都咁話」

帖文轉載自「親子王國討論區」

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