舊保單vs新技術 什麼是必要性醫療？破解保單理賠爭議｜生病藥錢 EP5

買了滿手保單，真正生病時卻發現保險公司拒賠，絕對是多數消費者最不想面對的噩夢。許多人遇到理賠爭議時，第一直覺是找民代、找媒體，甚至上網爆料。但回歸現實面，這些手段往往缺乏實質的法律強制力。

本集來賓金融消費評議中心羅俊瑋主委指出：保險其實是精算風險與對價關係的商業契約，理賠與否從來不是靠誰比較大聲或誰比較可憐來決定。本文將直擊保單理賠爭議的核心，並拆解金融消費評議中心的運作機制，帶你從現實角度擬定務實的自救策略。

本集重點：
📌評議中心運作機制解析：先申訴，再調處
📌理賠最大雷區：舊保單遇上新醫療科技
📌醫療必要性誰說了算？主治醫師還是客觀標準？
📌遠離理賠爭議的務實策略

《生病藥錢》是專為病人與照顧者打造的健康理財 Podcast。結合健康、理財與法律，帶領聽眾拆解生病後會遇到的真實問題，用深入淺出的方式幫助聽眾理解每一個病後選擇的關鍵。

Apple Podcast🔗https://podcasts.apple.com/us/podcast/id1880030312
Spotify🔗https://open.spotify.com/show/1upERRmhA3oM6wEDS12NPf
YouTube🔗https://www.youtube.com/@pills_n_bills
KKBOX🔗https://podcast.kkbox.com/tw/channel/Kru2PqzmMEPTttetQZ
Instagram🔗https://www.instagram.com/sick.needs.money/

Transcript

SPEAKER_02 0:46

Go waiting on the house. Time the eke chico wavyan san or na me sanny and to like the chan waijin tandango the egg wavyan. So you mean even attenant the chulen wavy and the egg gong. So in the egg on the shun uh walker and she shall the chosen baoshin fat. Now you tend to go leon in the way now uh so guchiang chi so the egg. Na uh tinong bug go the zong xin tas e chi no shell fate the bafu fat eka uh grid in a third um xin ta su di the chiso with the qinong shell fate egg ten yeo. No woman so with a chinong shell fate zen yeom do means the poofet umanai chuli, do shin the poof and woman putsulid or na so with the shinse the poof and so pu so woman to shang jasi uh bo shen yeu sang the buy sweet ye would na your shelf is a can you so tan swept then the dance in a homie and ta full lang the ho touch or the yeo and tayon means uh putain. So in uh tacho we uh language was tzi. Nama self a pin's putsuli and the egg uh uh boofen two means and eat a bullfet. No woman two means either bull fan. Number uh woman to shell feather is your third dinner woman, uh putnangos egoin uh yeah the egg to and the eager sem fen tapis eat band the egg shell feather. Number woman three shanks the qin long yeah Nature Jinong yeah tapishi woman two and chiquen or number her deater eager qin long yeah a channel woman to sang pin, be she's uh uh yo to her ta her bed sang pin. Now Puso Shan uh O me waiting also Smin Sang Yu and Chi Mai Dong Go Wai the eager about then. Now she wai go Bausing Gong S to go away uh fashion is about then Tadu Mill Ching Woman the Chuck and Chiquan the eager herz on her bait or Taiwan I think she shall so the uh can so is that your log and the si not down the changes and the hole, not a bunch go down to the chin shall feel pinching as and chimping eat the pinjongin chin chi the uh nihu chin shelf is a time tacky out some kind of email some of the huge uh tin zong at bugged sh and so far read the great dinner uh pinjong ship pin the hub changes or the egg sens duo. So whether egg a sensu attack and chico sang pin san yi ho nago uh you out zhen yi the hua na tang shen shan to the chin on chico e zong sensu the egg dongso. Now far isang with some great in zong sensu shen shen jung the egg greeting on touch so uh qian chin on chico they shall sound pin yi ho na shall feat the puman yi na pumai na uh the y so me na yi the k the zoo chien tao so it tatsuyo is y the ego won tea wen t the hu tam sanju ki ba uh di dia na si sanga janhua jang the qing kwang's man do so lugu jintian say to uh yi ta sen su tana w so tas meo wen te the meo wen ti the hua na to so shell fate, ta hue full shellfate, shell fe yin hiye uh ii the hua, na ta ju ki uh ping zong shin the uh ping e the sen qin. Uh so uh wom takei uh uh su de tzu ye, yang uh qin yi the chi sen su e shell feza ta a kano hui shan uh yi the sensu, tensinal di pang mi ta can ishuan zha me dia bia shen si and na sentinal ta shen chico ng sum uh uh shihue was uh sensi woman can food uh uh young chin uh chico has sold out the jung the egg sensu the uh to njin ho. Uh womping zong xin. Not yo, shall feed the suggestion on ping zong chin tea. Then a book and song uh uh quanta woman sold out the n jin ho. Now has a way uh each, she too shall feat the mat the n chin song doubt the tin on chico, like you wanna send the sensu eat um. Now to go uh look at the sensuo, no shelf as bum e the wanak, like she um sentin to the two pin e the tenshio. No uh they won't ping zong xin qin shin to the ping e the tenshi or me as a fen fenware. Number homie do enter ping e the tenshio. Number woman to tiao tzu they get chenshi the huang or chip and sang the j woman zong xin ne boot to uh gunzo tong then or bang mang uh song danks and chi zen di the zen diana na honxhin uh shium i to go tong na si san like hua woman su then can hang down uh your shenan be the ancient yes to an hong, not the uh churio so with the kiao tzu ta uh uh milbata on pin e the ten shi. No to the pin e the hu num si or took a so with the p wave chu dia. Woman mu chan phui, tas it tai chi zong he the egg tzu, number woman mu chang your earth way to uh p wave no woman to pi and the egg on song shing the uh uh one sang sang to can go can out to so into pi and ta go naked dash the uh jin fa me fa hai shelf is the baufu fa or the zhao so uh bao shen she the chao so nahon haio uh can see the chu and chiguan the uh uh guan yen ta uh yiho na or to poo fancy face on your ching yen the um nah haio is takeo wom the uh tens a si to shouta to the chao so um numakan si uh to the um na uh woman pin shiho meo sheni poo num uh zendi shangwan take uh uh uh zendi and uh shanguan the egg wen, honor than zendi one jo shen the thousandwe uh wavy and home number uh shen I send it to the so uh the sangue wave and do what time the e j the huang uh canon choosma won't tea now do so the sanw way and the e janhome your pu it's the human made the anger the bad p down hui now um the p down hui home number center it's a shenanigan uh to so uh look uh your sanway wavelength time the egg e jump now um type down with so look at no so as a can you be the circle function or me young down the ancient tau le pinway the ta hui home number tonguali ho tonguoli ho rent the jo uh pinjong jo cheating uh ping tongsin tata zan decidia um tasiga eightyka uh lace jan tak uh egozo e fang and a cancel a shelf is uh and to the chino yi so um just um can also uh say um fad you great dino tasa and the puton the eggin on sang pin tahu ego so we take the xin the booth and not the xin uh moon sir one ibarish one the qing huan tan just can put on the sang pin tatu was that xin the fan way too fan woman jui dino taway chi soon g uh qin on yeats chino yedza do uh say it in chin ho tas the putnango learn the eat not the chuckan shellfate and chi so jungle one can eat by early uh took a so woman to uh chino shall feather bowful five great dinner tattoo so uh it didn't chin a shang home number so ching go to the tongue eat the whiteway so doubt q not to eat in chin uh two and chi wan chi bauting eat the ching you dance woman chin to add another china cheer go to the chin uh uh yans i bet one can shi wan honour woman changing nom your party out and doubt uh i bet she one can share one down that down and go uh dope paid. Uh so long that dope paid uh belly shot the single one the button goes um I said how much so yeah it's a top number so far you could not shall it so not to check in uh tons of Jesus uh chin like food now shall feather uh shang on pin zong chin at two sen chin no joy battery san chin number song type de fang five yeah but four five great din uh dinner chin go to five din the ho tao uh shang tong the shall not took a so joke chances in fact this uh it's a joke like a young yield uh two chanceso then to feet on that loss uh you are current boom so you may change my about and she's a double her since I so she not gorge ma or face on goal some me and open hamdo made about down booth chances you not connecting the won't overdone in the sous and candle and subsidy later won't he don't care and line to mature. How to eat uh uh feet on how the wounds moon china uh suan mean um points that pin zong xing ho def wooden tea. Now don't just say one tea channel to say Baushan the Chang e Yun Zoo Namai Gentan with Tin Zong as so many Xiao Nama Baushen ta uh Changjo the ego the two egg wound tea so with the Baushan and Sentan function can so chi the Bao Feen Tui Jat e Gwen Xi So Jin Tian Baushenbao the Feng with the doors out the Huang or Tong Zata e Bao Fean K Shen Tsu Lai. Now Tara So Chi does out the eager Baoshen Feen Chippin San Taiwan the eager shang fan to so uh to Baushan and Jin Kabuke di pezama di pe uh say the Chi Feng so is sang weight the pool fenom number Bachen and Sand function cool gaut so the Bal Fe puts the Baushan y Dukoshin and so the Bau Feo then some about the function and D or Take Yamir Baushi. No it go ling hung Yao the Kao Liu. Notan Ju can I should Baushan on the gang shen the Zand Win Tia C sang like Janko with so uh Baushan and say qin S and the Ho Ta can yo tensin uh Chi and sang so with the qin Swen those and go Chi fast and the C like Chi Swan yet say to the Chuan Chiang Baltensa waving the gongzufan woman Bosing gongs touch sweet Balfetsu at a huge function uh Gao Chang Yang Tachoke or Baha Balfet la Gao Bashing Gongsyang take a uh Tatar woman the Baden Sens the Hui Tonobe for J Dia or Ton Bay for J Dia. You uh woman to Buddha since I took a fan your chin su and your Gwendi Chang om did the sang pool fen song fen the Chi uh Sensango the What I Lang about that choose chain to Langan Chi Shall the eager Chingwan about Danta Lugo is a chin's the ego eat the doubt and I do and poof and uh Dang Tzu Ba dan se the cow fanway. I mentioned the not just on the pay put out the won't tea not down and choose a way to eat the two yen tattoo won't tea in Tzu and not sang a chance I sent a Pia Yao no you go one Tug Namma Dan Ju Shang San Yan Diga Win Tumosh I sent the Sang the eagle Naman Mat the So with the eye of young chi food to the Bao She Namatas about then time dioses and do it to go so with the egg food to the win tea. No dance and fees on Queen Su eo to go so with the Bel Bayao Fan. Now don't byao taken push out yuan taken on just eager call food chinguan tachu may ban so with Baushan Chi Yen great in Zhu Yuan Ho Tanago Chi Chi food. Not the way shen pimp song cage concept eh Tafangu So in uh table technology. So you call it. Not nice no kind of engineso, a tangain so bell by yao, nansino woman chin e s and so it's on Yao can taste Bell by Yao Densin Tasang that Yao Tachan Baby S and Don Food. So you said the young ping dongin like to chin associated by four fa the earth gong ping hurdy and the so the gombi hurrian the hoa or so ancient young the fabri shed that the young the chi can do shelf it's uh m uh mil mio pamfa data of your hurdy the ching huh now uh c changes or major herd gome hurdy the young the yuan can teacho you tanga yaoo can look uh two sir not be that's a go cheese zoo sir. So you know then like the ancient way how to eat the gomin her yuanza how not to buy yeah eating yao chi sound eat the q foo no chizo the qu. Tens in a row needs uh coaching mayo zang she tens in the you zong zong ker chi the egg uh uh fat zan so to yao not not take a both and can jo uh guns and the like so e cow lean. So in a uh the book's uh yeah uh so the way tongue bow then tachu so in the Biao ba yawa was Dowan Shi so diped, oh Danzo you uh the bowt and Tashi the so pen tachu then she saw su or so the surgi page meal tea about it's a boofen Tata uh good sheang about then you china to be out jo and about thanks to fan or can do uh that the uh li pay the thing is in high select remember that function the mature lending the way you mean the gun meal be outs you and the way uh so what yen chi tzu yen was go outsia ping song who so just ja features ja mayo omega in the east and pushyo yuan ho mm no don't be a dance in the yin canon to be a meal to Kong Chi and Young and say Bin Chang uh Bin Taiao uh Yao Tian Yang Tian Tam and the uh Pin Hue Pusanam Yong Chi so in the canal yen Ya Tsu Fed or no Tong Ya or the Pooh Fed or Don't get Jimbo Fang in Jesus. See not uh T Sol like uh say motion Suang H Fenton Face long each old say uh Sir Yang or Sir Yeah one go found such a one go fout is that one or just that gang or ten to the Zhu and Bia Shin was eat out be our shin the both one Titan so eat a Hershin the D not eat out the B Yao some Jo eat out the B Yao. Now Mo China Pan the Mjup Jang Hershin the Wintious way the Zhu Yun Bia who eat out Bia said I'll say Namaste Muchen Far and the Su who's uh Zong Zong the Taulo send zongso Fan It's on Suzo the Kampfa Tam Isso and to send the Zhu Zhi Chikan the Tang as a cheese out yet on Kampfa Tzu Xiang Tong Lake the Jan is Shanghong Lake is to lean so and in the Chinquan the Chi Tsu D Nizian Ching Huang Zhu Yuan Namatokan Sword Jan eat the Jin Chia Piazza Zongso the Hua Ju and Lugo Nak Zhu Yuan Ching Zhu Y Tens your put on the Yin Hom Dia Moon Digso a say shall feed to the booth and Tamil Tzuangso Z the Chien Chi Pinjong Ho Sharenda Panchia canon just Faru and the Panchia canon just sans on Gian Chi Minha or can I tear on K Gwen so the Chientia Munch Piotsu the Faruen Tai Yongda Buffal and so uh say mochiana your se uh isn't egg a panche or number uh panche panchale tai too grandi on uh earth so your face and do a changes base sang the Faru and I to find the outma uh down to thirty mian hom tas or thirty so woman fascinating Yosha and Lisa uh Yoshi is an egg din who so ping huang Yao chow not there so you the yield Faithan puts me tender uh your soot uh uh Qingwang or Pin Shenzo A don't she can see Faith Qing Quang Turpe where they are mm Xinjio Hodgka Chin Zo um Number Chi South the young the eager don't she is uh third mean about the Biet Nam the eater went home. No guen and mo Chen Y Dong and Dojan Dai Juzo took a bau tayo s how ji zang the sisters food the eye of Bao Chen the eat about uh pijao e that's called Dose Kay Shanghai. Fucking can may numb do a shangfa candle be outdoor the egg and Pin Jong Sin Fain the Pan Chiang San Chi to Jangso A B C Dia Epido Pedro is a book just a canon like Jang Jintian uh shelf is a matter number egg about dinner egg's pale bigongs pair shikongs book pain also egg's bigongs pale shikongs eating out pay um sanjangs the bow then the eager surgian subsequent young zoom each other need the Sanji gongs the bowtan the eager tia young not down women meal tea not time the eager does like a pensao yo tongue gongs sayong sang tongue the eager tia and the eager chinghua sina uh the egg went to be a and the chip and eating chin to night page of coin song be just an ho sending song song chin so you may pin songs in a jungle song uh can't g and you can't do it. Then fungi about Dan Hajo how not you told the beats your young ship east and goal to don't she the Natajan it does out the number on adult chin qin the uh go di the one tea uh chitin the engine with search so and may jump out and the search boy young the honor maker and the egg is pu yo young the um number uh the egging on the shang on tachu male pampa chance uh la ching what the sand cow lost is the ho what she uh put you to lie since the shan's fair either she's young the beautiful the bull fund the substitute not some young the shiang fauts it's a young uh shellfits uh the bow putnung you all from the chimai or makana and told the changes about then your tin solar she up may she might about then time in the child chin type the child some uh sound the chingwang uh what you about then she'll be uh you will phone not dear my learn her gin on some pinto yang hey idea by a kanjinsu hey idea by can to the doubt it long system the huang or just the function uh take out this anger huangso uh look uh say uh mo si uh kanongsu shen the changes uh the yieldong the can take uh uh shanfang uh kei choix the zang take uh qian yang uh tag yokay qian sao zhen yi the zen take uh fang si qinqing uh pin zoning sing the gold and shove the buttons in the gong fehan ta chingos e band shove the qu tag shia does and on the chino shove it the bowful file great dino number uh one pin don't jin song so and om so and bo hand the sen suit even the sand suit by just then the eat the pool films you so uh ping eat and shoot at the bull fellow so and case number qang home and the woman joves a bowful file great in the jokes tennis jin omen jobs with uh ping the do gum fai and the uh panji or dad be home number sang me and home to the sang yi and eating way of chico too like so far you saw my tia tin juzo and sawe and sang eating then uh tong tangian tan chino pinjongin chose and so ya jolt uh say uh zongji la so ma just she uh man her the sensu the city and say fasten the so she said uh she tell the so and the just she wanna send so just a chin fang me and chun go to that uh dear j do not dear send the young fang to put on each ho.