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周先生年逾五旬,是个私营业主,想在保险公司投住院保险。在保险公司作业务员的李先生和周光生是老熟人,主动上门拿下了这单业务。签合同当天,周先生按照李先生的安排,在空白的投保单上签了字,把自己的身份证交给了他,由李先生办理其他手续。周先生问用不用体检,李先生表示应该,可一直没有组织体检。不到3天的时间周光生就在保险公司入了保,他与保险公司签订的保险单自2002年12月20日开始生效,自2002年12月20日至2003年12月19日24时,日额保险金为100元,标准保费725元。2003年10月15日,周先生突觉身体不适,还发烧,被确诊为亚急性湿疹。这一住院就是28天。住院后,周先生及时将病情通知了保险公司。半个月后,李先生到医院为周先生作延保时,了解到周先生曾因病在保前6个月内两次住院,其中一次病因就是湿疹,紧接着保险公司在法定期间内作出不予赔付的决定,理由是:周先生在投保单上隐瞒了投保前6个月内曾两次住院治疗的情况,没有履行如实告知义务。协商无结果,周先生将保险公司推上了被告席。
Mr Chow, who is over 50 years old, is a privately-run business owner and wants to be in hospital insurance at an insurance company. Mr. Lee, an insurance company clerk, and Zhou Guangsheng are acquaintances, took the initiative to win this single business. The day the contract was signed, Mr. Chow, according to Mr. Lee’s arrangement, signed the blank voucher and handed him his ID card, which was handled by Mr. Li for other formalities. Mr. Zhou asked without medical examination, Mr. Lee said it should be, there has been no medical examination. Less than 3 days Zhou Guangsheng insured in the insurance company, he and the insurance company signed the insurance policy from December 20, 2002 came into effect, from December 20, 2002 to December 19, 2003 at 24 o’clock , The daily insurance premium of 100 yuan, the standard premium of 725 yuan. October 15, 2003, Chow suddenly felt unwell, but also fever, was diagnosed as subacute eczema. This hospital stay is 28 days. After hospitalization, Mr. Zhou promptly informed the insurance company of the condition. Half a month later, Mr. Lee went to the hospital for the extension of Mr. Zhou, he learned that Mr. Chow had been hospitalized twice during the six months prior to the insured, one of the causes is eczema, followed by the insurance company made within the statutory period The decision not to pay is based on the following: Mr. Zhou concealed his inpatient treatment twice during the first 6 months of the policy and failed to fulfill his obligation of truthful disclosure. No result of the consultation, Mr. Chow pushed the insurance company on the dock.