保險理賠被拒怎麼辦？拆解理賠調查流程、意外定義與自保策略｜生病藥錢 S2 EP7

許多人在投保時，求的是一份安心。然而，當真正面臨重大疾病、需要申請理賠時，卻往往發現保險公司的審核過程極為嚴謹且漫長。你是否曾經好奇，到底保險公司在收到理賠申請後都在調查些什麼？為什麼醫師說吃了病會好的自費藥物，保險公司卻判定拒賠？
本集《生病藥錢》特別邀請到擁有多年資深實戰經驗、看過無數理賠糾紛的金牌保險理賠調查員——洪熒熙大哥（現任保險公證人），帶領聽眾深入拆解保險理賠調查背後的真實內幕，並教導保戶如何運用正確管道維護自身權益。

本集重點：
📌保險公司到底在調查什麼？
📌意外險卡關？臨床醫學與保險認定的「意外」大不同
📌面臨拒賠怎麼辦？善用保險公證人與事前審查
📌提升健康識能，做個聰明的保險消費者

《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/pills__n__bills/

Transcript

SPEAKER_00 0:00

That's a high sort of samping outin'.

SPEAKER_01 0:06

What's it to change?

SPEAKER_00 0:18

No chi dody with m deeping cool dealtha. But the duty dot dealt some how she switches in the woman that sent pay, Boschin de Pai Delta, Hong in C Hongaka, Chinta Sofa.

SPEAKER_02 0:35

Go ahead, how was it Hong Chi? Was it Bausin Gonzan then?

SPEAKER_00 0:38

Well, Makana Hando in S I N can of Bosch and Delta Gonzo How cool. Sage one, chin in the gonzo to that awesome Yo Tiger so in Chi who's a one yan chin, who's a tolu intendant, shealthama siama.

SPEAKER_02 0:54

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SPEAKER_00 2:19

That's easy I'll say.

SPEAKER_02 3:05

So let's have gone through me in dumb with ancient. How your never can go home on the content by changes out just some interventions, how the phone shit had a soon high, how easy the little phones in dumb dog, not just by no change change up by the child. Now ping who so hard by the television sent to your toza. So bang on some sort of donorship, ping who not do your curb, you get any song or pink information.

SPEAKER_00 4:15

Some can she have a hard double friend, like you do the change and consist the fanway, does this pay those changes by the sense social bag to just hide from buying your channel pinku just on guns or ping you better means just a centrum delta.

SPEAKER_02 4:57

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SPEAKER_00 14:41

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SPEAKER_02 15:24

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SPEAKER_00 16:09

Oh, so easy unven su and you putn't go her jung.

SPEAKER_02 16:12

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SPEAKER_00 16:29

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SPEAKER_02 17:10

And was it young you could pick out tong go on and you got how you then change your try and do get heaven as they do who I think so? You know that's a high cars, uh now we are sending your scanji. Some insurance. Oh some insurance, so conceal two G Baga, so always tells you. So the kind put on the bag.

SPEAKER_00 18:45

Not some woman or me, is the song kind of put on the milk and the young teacher go eager to hold thy horse out so eager to be paid in the chai. Anyway, whose go your page by either so you'll be tumbling like that, so you have delta milk.

SPEAKER_02 19:14

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SPEAKER_03 19:17

Mm-hmm.

SPEAKER_02 19:18

So EYU for just on the doubt it's a good EY to say so.

SPEAKER_00 19:53

So it can be our Toby. That was also a take a full phone point.

SPEAKER_02 21:30

Two can't what I just want poor there. I shouldn't put there strong dieting with poor needs. What is that to go good? Do not fool.

SPEAKER_01 25:08

So it hikes and see your eager si so you don't see a two shirt, the don't song quite a bit.

SPEAKER_02 27:13

Sends the old way, eyes, of the fuzu and chin chi then hot daddy, and so eh, what's more than could see. So each or some what you gone to some each from each and pine consum pinkoo. You also met his own cool is the e gent, or chunk is omen on consumer put on just omagon your doors of a junk is some chunk is your neck waker. Nicker your win sentinel, neck, sentient neck, who sanctured a view or colour. Not why could you sentient whack and then woman chunk is bang changes, or easy the major.

SPEAKER_01 28:32

So epang Baushan Gonzalez Bang Gong's waiting because only the lead town, so too take about so.

SPEAKER_00 42:52

She won't touch a little hind fence.