拍案说保险之八莫让索赔过了"保质期"

• 出 处: 大众理财顾问
• 发表日期: 2006年06期
• 关键词: 保险公司 索赔 意外伤害保险 女士 高压锅 质量问题 意外事故 医疗费用 养老保险 严重烫伤 生产厂家 法律诉讼 马拉松 疗保险 投保 附加 爆炸 报案 案例

【案例】刘女士几年前投保了某家保险公司的养老保险,并附加了意外伤害保险及意外伤害医疗保险。1999年12月底,家中高压锅爆炸造成刘女士脸部严重烫伤,医疗费用达数万元。刘女士认为高压锅的质量问题是发生意外事故的主要原因。随后近1年多的时间她陷入了和生产厂家马拉松式的法律诉讼,却忘记了自己还有保险,还需要向保险公司报案和索赔。

[Case] ​​Ms. Liu insured the pension insurance of a certain insurance company a few years ago and added accidental injury insurance and accidental injury medical insurance. At the end of December 1999, Ms Liu’s face was severely scalded by the explosion of a pressure cooker at home, and the medical expenses amounted to tens of thousands of yuan. Ms. Liu believes that the quality of pressure cooker is the main reason for accidents. Then nearly a year later she fell into marathon lawsuit with the manufacturer, but forgot that he still had insurance, but also need to report to the insurance company and claims.