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大宅

積分: 1018


1#
發表於 07-2-2 18:20 |只看該作者

URGEN : 保單不保事項 - pre-aucicular sinuses 是甚麼??

我的BB在出世時耳旁有一小洞,在醫院接受了檢查,正常.但保險公司要求醫院提交報告後有以下條款,請問是甚麼? 有否大影響??

The hospital protection would be all-round covered except his pre-aucicular sinuses (we call it exclusion), that means just in case of any medication caused by his pre-aucicular sinuses, our hospital protection would not covered. the exclusion is just refer to this point, not the others. All the other parts of BB is fully covered.
For more, just in case this pre-aucicular sinuses disappears, after 2 years, we would consider to remove this exclusion frm the policy.

Our internal statment is listed : -

We will offer HC exclusion of pre-aucicular sinuses, in view of health history. We are willing to review case 2 years after disappearance of pre-auricular sinus.
After 2 years, we would consider to remove this exclusion frm the policy.



別墅

積分: 677


2#
發表於 07-2-2 18:31 |只看該作者

Re: URGEN : 保單不保事項 - pre-aucicular sinuses 是甚麼??

請你看清楚,是不是"pre-auricular" (你打了"pre-aucicular")。

auricle是耳廓,sinuses泛指"孔",pre-auricular sinuses應該是指你bb耳朵前的小孔。

以上寫明:除了和那個小孔引起的醫療需要不會受保外,BB所有其他身體部分全受保。小孔一旦消失,於小孔消失兩年後會考慮將"不受保"部分刪除。

想問問,你BB耳朵的小孔是否在耳頭近頂位置一個像針孔般小的孔?是的話應該不用擔心,因為我左耳也有。它不會消失,但完全沒有影響。相學上還認為有這些孔的孩子會特別聰明(信不信由你﹗)。

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