新冠“阳了”拒赔?中国人寿回应来了

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新京报贝壳财经讯(记者潘亦纯)12月15日,“网曝中国人寿新冠保险阳了却不理赔”一事引发诸多关注。

12月16日,贝壳财经记者获悉,针对此事,中国人寿开展了调查核实,该客户在公司投保了重大疾病保险和医疗保险等多个产品,其中部分产品扩展了新冠责任,目前公司尚未接到该客户或家属提交的理赔资料。

中国人寿方面进一步表示,已联系到客户家属,并加强与客户的沟通,后续将根据客户提交的相关资料,按照合同约定快速启动相应的理赔程序和服务。

据悉,中国人寿目前已陆续对50余款保险产品扩展了新冠肺炎重型、危重型的保险责任。对于购买了这些保险产品的新老客户,无需再行支出额外成本,在扩展责任有效期内经医院确诊初次发生新冠肺炎,且临床分型为重型或危重型,公司就可按被保险人确诊当时合同基本保险金额(或保险金额)的25%给付新冠肺炎保险金,每份保单针对扩展责任给付以一次为限且最高为人民币100万元,原保险合同的保险责任不变。

中国人寿方面表示,被保险人即便首次确诊感染奥密克戎,且临床分型为重型、危重型病症,也属于上述保险产品扩展责任范围。

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