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购买重疾险 生病不一定获赔
【打印本稿】　【进入论坛】　【推荐朋友】　【关闭窗口】 2007年08月10日 09:24
    目前普通医疗险有3个月的观察期，重大疾病保险的观察期一般为半年。这段时间，保险公司会“观察”投保人的身体状况。其标准就是，一旦你在这段时间生病，对不起，你不能获得赔偿。保险公司的理由是，除急性病外，无论是普通疾病还是重大疾病，都会有一个潜伏过程。投保人在投保后短期突发疾病，显然不属于保险事故。如果你不幸在90天内生病住院，虽得不到赔偿，但一样要报案，因为不报案会影响到观察期后再次住院的理赔。当然，并不是所有在观察期期间患的病都得不到赔偿，保险公司也会具体情况具体对待的。
 
来源：中国经济网综合
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