生过病、住过院就不能买保险了？
<section style="line-height: 25.6px;white-space: normal;box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="display: inline-block;width: 558px;border: 2px none rgba(0, 0, 0, 0);border-radius: 0px;box-sizing: border-box;background-image: url(" https:="" mmbiz.qpic.cn="" mmbiz_png="" anjlobicsy99otz0f2kefxy6aftvqgggibjdwayekqzg7b9547sptngrsevbfl0sjmqh9tmcmalhqcriawwyqrmvg="" 640?wx_fmt="gif");background-attachment:" scroll;background-size:="" 96.3235%;background-position:="" 60%="" 32.9897%;background-repeat:="" repeat;"=""><font color="#000000"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="padding: 20px 15px;display: inline-block;width: 558px;vertical-align: top;border-width: 0px;box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section class="tn-yzk-fuid-text-94011-1529639094917" style="text-align: justify; box-sizing: border-box;"><p style="box-sizing: border-box;">前段时间，《中国保险报》在支付宝中开设了专栏，和大家一起聊聊保险的身边事儿。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">最近，在这个小家园里，很多小伙伴都在关心一个话题：<strong style="box-sizing: border-box;">身体曾经或现有的一些小bug会不会耽误买保险？ </strong></p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">比如，“健康告知里说连续30天服药不保，高血压是每天都需要服药的，那么高血压能投保吗？”<span style="letter-spacing: 0px;box-sizing: border-box;">或者“乳腺增生、甲状腺结节能买重疾险吗？”</span><span style="letter-spacing: 0px;box-sizing: border-box;">又或者“我因为子宫肌瘤手术切除了子宫，能买住院险或大病险吗”</span></p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">这些问题看似五花八门，实则都是关于健康保险投保过程中一个非常重要的环节：健康状况的如实告知。</strong></p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">那么，今天我们就试着解答一些大家的困惑，来说说关于健康告知的那些琐碎小事儿。</p></section></section></section></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.06875" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibroibibXicxoN8YG1QFIibD79G5m3jfn4q9Pxj0skjJTxCrpcvnv5wKwWKw%2F640%3Fwx_fmt%3Dpng" data-type="png" data-w="640" style="vertical-align: middle;box-sizing: border-box;"></section></section></section></font></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.1162791" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibupWKdRpKO70fJnLf2kXe1DicAZWicbqCP9VJZJgl1uL1ue7k2RqdSV1A%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="430" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="width: 558px;border-top-width: 1px;border-top-style: solid;border-top-color: rgb(87, 118, 67);box-sizing: border-box;"></section><section style="margin-top: -9px;margin-bottom: -9px;padding-right: 9px;padding-left: 9px;box-sizing: border-box;"><section style="padding: 15px;border-left-width: 1px;border-left-style: solid;border-left-color: rgb(87, 118, 67);border-right-width: 1px;border-right-style: solid;border-right-color: rgb(87, 118, 67);box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;">先从一个悲伤的故事说起吧。<br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">事情是这样的，一位妈妈在今年的4月29日15点44分为自己的宝宝投保了支付宝平台上的宝贝守护计划，保障期限为1个月。8天之后，也就是5月7日，这位妈妈报案称宝宝被确诊为急性淋巴细胞白血病，并于两周后提交了完整材料申请理赔。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">然后，问题来了。保险公司在理赔调查时发现，患病宝宝的入院时间刚好为2018年4月29日14点21分，入院诊断为淋巴结肿大待查，也就是投保时该宝宝已经住院；更重要的是，调查发现，此前该宝宝已于当地医院检查发现淋巴结肿大及血液检查报告异常，医生建议前往上一级医院诊治。但是，宝宝的妈妈在投保时并未对上述情况进行如实告知。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">在保险公司给出了“拒赔并终止保险责任”的意见后，这位宝妈决定通过宝贝守护计划“赔审团<span style="line-height: 25.6px;">”</span>发起审议。最终，81%的赔审员认为不应该赔付，患病宝宝没能获得这笔赔款。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">对此案件，赔审员们也是热议纷纷，<strong style="box-sizing: border-box;">而绝大多数的焦点都是放在了健康告知上面。</strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">那么，假如这个案例不是通过赔审团审议，而是诉诸正式的法律程序会怎样呢？结果可能是一致的。</p></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="1.6125" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibicaxB9icZX1IWxiaR1RCYmtbqHt2ibDACURbzhYfHejpfGcmyiaYlnKxGNQ%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="640" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">因为《保险法》中明确提出，投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，并不退还保险费。</strong></p></section></section></section></section></section><section style="width: 558px;border-bottom-width: 1px;border-bottom-style: solid;border-bottom-color: rgb(87, 118, 67);box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.1162791" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibwicLeznrIJnwW0XEuibbwZcqgprZPko0JgT8L86eGspoRASYz0kRv5rg%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="430" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="width: 558px;border-top-width: 1px;border-top-style: solid;border-top-color: rgb(87, 118, 67);box-sizing: border-box;"></section><section style="margin-top: -9px;margin-bottom: -9px;padding-right: 9px;padding-left: 9px;box-sizing: border-box;"><section style="padding: 15px;border-left-width: 1px;border-left-style: solid;border-left-color: rgb(87, 118, 67);border-right-width: 1px;border-right-style: solid;border-right-color: rgb(87, 118, 67);box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;">其实，和这位宝妈一样会在如实告知环节犯糊涂的人并不在少数，这里面既有主观因素，也有客观因素。主观因素要么是侥幸心理，要么是粗心大意；客观因素则与投保流程设计有关系。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">神马意思呢？就是无论你通过互联网购买哪一款产品，一旦有过健康告知中出现的这病那病，或者因各种原因住过院，那么你很可能就被划为“未通过投保审核”，购买通道就此被堵上。于是，在看似能买或不能买的单选题中，很多人抱着侥幸心理想要蒙混过关。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">那么，果真生过病、住过院就意味着从此告别保险了吗？当然不是！</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">严格来说，“未通过投保审核”应该再加上两个字，叫做“未通过电子投保审核”，也就是说，“人工核保”的保险大门仍然向你敞开着。你可以拨打承保这款产品的保险公司的客服电话，然后把你的问题告诉给人工客服，他们会把你的情况反馈给核保部门，进行专业判断。（亲测有效哦～）</strong></p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">接下来，根据实际情况，你可能会收到四种回复：</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">1.正常承保：</strong></span>虽然你的身体曾经出现过bug，但是各项医疗检查指标表明，你已然是一个健康的宝宝，买保险，不受限。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">2.加费承保：</strong></span>你需要为自己身体曾经或现有的bug多付出一些保费，这样对那些和你购买同款产品的健康的小伙伴们才公平。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">3.除责承保：</strong></span>保险公司不能对你身体曾经或现有的bug负责，但是可以为除bug以外的部分负责。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">4.延期承保：</strong></span>保险公司想对你身体曾经出现的bug观察一段时间，一般是半年，如果证明其对你的健康没有什么影响，就可以正常承保了。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">5.拒保：</strong></span>不说了，心塞！</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">此处敲黑板：不同公司对待不同产品的核保尺度是不一样的，可能对一家公司可以正常承保的条件，到了另一家公司就是加费或除责承保，对此我们要理性看待。而且很有可能投保流程会从线上转到线下，消费者可以选择找信任的营销员或者直接到保险公司的门店进行操作。</strong></p></section></section></section></section></section><section style="width: 558px;border-bottom-width: 1px;border-bottom-style: solid;border-bottom-color: rgb(87, 118, 67);box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.1162791" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGib0nubpmpfq5zTT28sicR9jqcJ3lOM0ehKGa98u8F53X95IOd1xKgynqQ%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="430" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="width: 558px;border-top-width: 1px;border-top-style: solid;border-top-color: rgb(87, 118, 67);box-sizing: border-box;"></section><section style="margin-top: -9px;margin-bottom: -9px;padding-right: 9px;padding-left: 9px;box-sizing: border-box;"><section style="padding: 15px;border-left-width: 1px;border-left-style: solid;border-left-color: rgb(87, 118, 67);border-right-width: 1px;border-right-style: solid;border-right-color: rgb(87, 118, 67);box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;">关键的时刻来了，无论通过哪一种渠道投保，想要做到如实告知，就一个字：问！</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">所有看不懂、有疑问的地方统统不放过，直到让对方解释清楚、详细记录为止。如果可能的话，还可以把整个过程录下来。一旦今后发生纠纷，还能拿出来当作“呈堂证供”。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">另外一点不得不提的，不少保民公社的小伙伴都在提意见问：健康告知就不能放在显眼一点的地方吗？！需要我注意的字能不能放大点呢！</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">其实啊，对于支付宝上的绝大部分产品而言，健康告知已经非常明显了：</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">但凡在网上进行投保，只要是点击购买以后，健康告知是会作为一个单独的页面跳出来的。而投保人必须在下面进行勾选（符合健康告知）才能通过并完成投保。一般来说健康告知会包含如下内容：</p></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="2.165625" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibndlYxdpUSd3NwwnyBjSeVN3zURjQVJkxosOQNcE7ZcEmX5iakWbBzYA%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="640" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="letter-spacing: 0px;box-sizing: border-box;">因为每个被保险人都存在不同的身体状况，个人所应该注意的事项当然不同。</strong><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;"><br style="box-sizing: border-box;"></strong></p><p style="box-sizing: border-box;">打个比方，对于患有高血压的被保险人而言，他们实际上应该注意上图中的第3条；然而对于曾经被保险公司拒保过的被保险人，他们则应该注意第2条。所以并不是保险公司不想有针对性的强调健康告知，实际上的情况是：</p></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.8203125" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGib9AnicwEsa3qHEuUK7p1nKSibaqn2sCbVcRf30d9wuN85xv8ib8t93S0ng%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="640" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="font-size: 14px;color: rgb(160, 160, 160);box-sizing: border-box;"><strong style="letter-spacing: 0px;box-sizing: border-box;">图片来自CFP。</strong></span></p><p style="box-sizing: border-box;"><strong style="letter-spacing: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></strong></p><p style="box-sizing: border-box;"><strong style="letter-spacing: 0px;box-sizing: border-box;">所以，秉着对自己负责任的态度，大家一定要像看支付宝账单一样仔细的看一遍健康告知！如果不明白自己身体状况是否符合健康告知中所述的疾病，一定要打电话向客服咨询，千万不要想当然的走个过场，最后影响的可是自己的理赔！</strong><br style="box-sizing: border-box;"></p></section></section></section></section></section><section style="width: 558px;border-bottom-width: 1px;border-bottom-style: solid;border-bottom-color: rgb(87, 118, 67);box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;box-sizing: border-box;"><img data-ratio="0.1162791" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaNjLObicsY99oTZ0F2KefxY6AFTvQggGibrC0duEa2sY0W79S5ib2lE7DFHeg2uDIgiaE5lbeyb0NjpOPgsI9UFczw%2F640%3Fwx_fmt%3Djpeg" data-type="jpeg" data-w="430" style="vertical-align: middle;box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="width: 558px;border-top-width: 1px;border-top-style: solid;border-top-color: rgb(87, 118, 67);box-sizing: border-box;"></section><section style="margin-top: -9px;margin-bottom: -9px;padding-right: 9px;padding-left: 9px;box-sizing: border-box;"><section style="padding: 15px;border-left-width: 1px;border-left-style: solid;border-left-color: rgb(87, 118, 67);border-right-width: 1px;border-right-style: solid;border-right-color: rgb(87, 118, 67);box-sizing: border-box;"><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="box-sizing: border-box;">最后，总结一下关于健康告知的小贴士：</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">首先，健康告知一定要如实。</strong></span>否则往小了说叫不诚信，往大了说就是欺骗，无论从道德层面还是法律层面都不会获得支持的，结果就是得不到保额也损失了保费，鸡飞and蛋打。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">其次，为了如实告知，一定要问问问。</strong></span>要发挥高考审题时的精神，当时为的是分，现在为的是钱。记住，今天的不厌其烦，没完没了，都是为日后维护自己的合法权益做准备。</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;"><span style="color: rgb(87, 118, 67);box-sizing: border-box;"><strong style="box-sizing: border-box;">第三，也是最最重要的，买保险一定要趁早。</strong></span>虽然电子核保通不过还能人工核保，线上买不了还能线下，但是麻烦啊，更关键的是贵啊。如果健康的时候买保险，轻松按几下手机就投保成功，才真的是又爽又便宜！</p><p style="box-sizing: border-box;"> </p><p style="box-sizing: border-box;">如果还想要了解某个具体疾病的投保条件，可以给我们留言哦~</p></section></section></section></section></section><section style="width: 558px;border-bottom-width: 1px;border-bottom-style: solid;border-bottom-color: rgb(87, 118, 67);box-sizing: border-box;"></section></section></section><section class="V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="text-align: right;box-sizing: border-box;"><p style="box-sizing: border-box;">记者 张爽</p><p style="box-sizing: border-box;">编辑 韩业清</p></section></section></section></section><p style="line-height: 25.6px;white-space: normal;"><br></p>
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