理赔纪实 | 突发神经性耳聋，轻症获赔15万

<p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuAI5hOFBcUbveia7XnXYBgu3zQzGqSaoqa6hShQoKIfqW1f1qdJI4B43qdpnZbLibuqK0gVpaVziahw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuAI5hOFBcUbveia7XnXYBgu3zQzGqSaoqa6hShQoKIfqW1f1qdJI4B43qdpnZbLibuqK0gVpaVziahw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><br /></section><section ><br /></section><p ><span >几乎所有的重疾险都有<strong>轻症</strong>保障。<br /></span></p><p ><span >&nbsp;</span></p><p ><span >轻症常见为重大疾病的较轻形态，虽然没有大病危重，但发病率是远远超过大病的。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">如重大疾病「急性心肌梗塞」对应轻症即<span >「</span>不典型心肌梗塞<span >」</span>，大病<span >「</span>双目失明<span >」</span>对应轻症<span >「</span>单眼失明<span >」</span>等...</span></p><p ><br /></p><p ><span >接下来，风起就带大家看一起轻症理赔案例。</span></p><p ><span >&nbsp;</span></p><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong style="color: rgb(33, 89, 103)">理赔简记</strong></strong></span></section></section></section></section></section></span></section><p><br /></p><ul ><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">投保人/被保人：</span></strong><span style="color: rgb(33, 89, 103)">李女士（29岁）</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">投保险种：</span></strong><span style="color: rgb(33, 89, 103); text-align: start">复星联合康乐一生重疾险C款</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">投保时间：</span></strong><span style="color: rgb(33, 89, 103)">2019年4月24日</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">出险原因：</span></strong><span style="color: rgb(33, 89, 103)">确诊神经性耳聋（符合单耳失聪）</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">出险时间：</span></strong><span style="color: rgb(33, 89, 103)">2019年12月26日</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">理赔时效：</span></strong><span style="color: rgb(33, 89, 103)">9个工作日</span></section></li><li style="color: rgb(33, 89, 103)"><section ><strong><span style="color: rgb(33, 89, 103)">获赔金额：</span></strong><span style="color: rgb(33, 89, 103)">轻症保险金15万元</span></section></li></ul><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong style="color: rgb(33, 89, 103)">理赔回顾</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span >2019年初，家住河北省的李女士因为身边发生的一些事，萌生了买保险的念头。</span></section><section ><span ><br /></span></section><section ><span >在网上学习有用的保险知识过程中，找到了保爷的公众号。</span></section><section ><span ><br /></span></section><section ><span ><span >最终在2019年4月24日，</span>根据保爷团队老师的推荐，李女士<span >为自己配置了一份复星联合的<strong>康乐一生重疾险C款</strong>。</span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">（50万保额，30年缴费，每年缴费4740元）</span></section><section ><span style="color: rgb(127, 127, 127)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BciaYrQpWwUfYVl3lY7h6Ey0EnAHWBqVJCdDBlyVib2eTFibY2LiawfuY6A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BciaYrQpWwUfYVl3lY7h6Ey0EnAHWBqVJCdDBlyVib2eTFibY2LiawfuY6A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >其实在投保时李女士还是有不少想法的：</span></section><section ><span ><br /></span></section><section ><span >一是想着买份重疾险可以让自己面对疾病不至于立马“认怂”；</span></section><section ><span ><br /></span></section><section ><span >二是想着万一有个意外，自己买的高保额也能让以后的生活更有保障。</span></section><section ><span ><br /></span></section><section ><span >当然，她心里想的最多的还是：最好一辈子都不要用上这份保险。</span></section><section ><br /></section><section ><span >但还是那句话：<strong>我们永远不知道，明天和意外谁先来</strong>。</span><br /></section><p ><span ><br /></span></p><section ><span >2019年12月20日，李女士发现自己右耳听力下降，并伴随有眩晕和耳鸣。</span></section><section ><span ><br /></span></section><section ><span >12月21日，李女士前往河北省某医院进行检查，之后又前往北京某医院检查，</span></section><section ><span ><br /></span></section><section ><span >被确诊为<strong>眩晕和右耳突发性耳聋</strong>后，于2020年5月6日在北京住院治疗。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BhQ5DQNVTppxacbJMzauibI7uKqK1a7XOfzXoKULy0hwlSLcyyTpQfCA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BhQ5DQNVTppxacbJMzauibI7uKqK1a7XOfzXoKULy0hwlSLcyyTpQfCA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">P1：当事人提供</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BdkibSfDjjqrnJTFyU85yCBcspq09buocicibPgdYjeOzz6R7wgib8PpCUg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BdkibSfDjjqrnJTFyU85yCBcspq09buocicibPgdYjeOzz6R7wgib8PpCUg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">P2：康乐一生重疾险C款条款对「单耳失聪」的定义</span></section><section ><span ><br /></span></section><section ><span >初步治疗后，李女士向我们的协赔专员<strong>提交协助理赔申请</strong>，</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">在<span style="color: rgb(33, 89, 103)">【</span><span style="color: rgb(33, 89, 103)">懂保爷】或</span><span style="color: rgb(33, 89, 103)">【</span><span style="color: rgb(33, 89, 103)">懂</span><span style="color: rgb(33, 89, 103)">知</span><span style="color: rgb(33, 89, 103)">保】</span>投保过的朋友要是出险，可以点击<strong>公众号右下角「投保攻略」-「理赔协助」</strong>联系协赔专员。</span></section><section ><span >&nbsp;</span></section><section ><span >协赔专员在跟李女士进行详细的沟通及解答后，指导完成了理赔资料的准备，跟进保险金的到账情况。</span></section><section ><span ><br /></span></section><section ><span >7</span><span >月21日，理赔材料准备完成的李女士向复星联合保险公司申请理赔。</span></section><section ><br /></section><section ><span style="color: rgb(127, 127, 127)">按照康乐一生重疾险C款的合同约定，李女士罹患合同约定轻症，赔付50万基本保额*30%=15万保额</span><span style="color: rgb(136, 136, 136)">。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">此外，根据合同的被保人豁免功能，后续保费不用再缴纳，保障继续有效。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BiaHZAo6nUs3SPeJgM1cNQqnqS6VqxZ9oSQwF78uicwurmIHmTicMZjqqQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2BiaHZAo6nUs3SPeJgM1cNQqnqS6VqxZ9oSQwF78uicwurmIHmTicMZjqqQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">P3：康乐一生重疾险C款的轻症豁免条款</span><br /></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span >8月3日，李女士顺利收到<strong >15万元</strong>的轻症理赔款，并豁免后续未缴纳保费13万余元，合同继续有效。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2B3ibbkf7x18PC8axpVHt2y6KNAHc6ibdeywPOsQjdQK63dLIornccf9uA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvjuHiaC6OrY2ia7Rmz1C2y2B3ibbkf7x18PC8axpVHt2y6KNAHc6ibdeywPOsQjdQK63dLIornccf9uA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><span style="text-align: center; color: rgb(136, 136, 136)">P4：保险公司【复星联合】理赔通知书</span><span style="text-align: center">&nbsp;</span>&nbsp;</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">风起认为：</span></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">本次理赔最大的亮点不在于轻症赔了15万，</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">而是在后续保费不用交了（患病豁免）后，保障依旧一直有效。</span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></section><section ><span style="color: rgb(136, 136, 136)">例如李女士后续万一再次罹患重疾、中症、轻症，依旧可以获赔。</span><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">这无疑为忧患疾病保障的李女士注入了强心剂。</span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">至于本次理赔的其他情况就没啥好说了，理赔时效等都让人挺满意。<br /></span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">最后再提醒大家一下：</span></span></section><section ><span style="color:#000000"><span ><br /></span></span></section><section ><span style="color:#000000"><span ><span style="color: rgb(33, 89, 103)">在【懂保爷】或【懂知保】投保过的朋友要是出险，可以点击</span><strong style="color: rgb(33, 89, 103)">公众号右下角「投保攻略」-「理赔协助」</strong><span style="color: rgb(33, 89, 103)">联系协赔专员申请协助。</span></span></span><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section ><span style="color:#000000"><span ><span style="color: rgb(33, 89, 103)"><br /></span></span></span></section><section ><span style="color: rgb(136, 136, 136)">下期见啦~</span></section><section ><span style="color: rgb(255, 76, 65)"></span></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>