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  • 以案说险 |“退旧买新”有风险,谨防“保障真空”

  • 2022-06-13
  • 随着保险市场不断发展,新的保险产品不断涌现。不少消费者认为新保险产品一定比旧的好,于是就产生了退掉旧保险产品,改换新保险产品的想法。那么,盲目“退旧买新”又有什么风险呢?

    案例简介:

    2017年和2018年,李先生在某保险公司先后投保了2份重疾险,保额共计35万元。但随着新保险产品不断出现,李先生萌生了更换产品的想法。2019年3月、7月,李先生先后将这2份重疾险退保。2019年10月,他又重新投保一份百万医疗保险,并于2019年12月再次投保一份重疾险。在最近一次投保的重疾险生效半个月后,李先生感到身体不适,在医院初次病理活检鼻咽部肿物,诊断为未分化型非角化性癌,随后入住医院接受治疗。

    李先生“退旧买新”,在还未投保新产品时盲目退保,在确诊重疾后,2017、2018年投保的保单因已在出险前退保,故不符合理赔标准;2019年投保的重疾险,属于等待期内出险,保险公司不承担保险责任并退回保费;仅2019年投保的百万医疗保险符合理赔标准并获得赔付,依据保险条款,保险公司给付医疗保险金20448.19元。

    案例点评:

    不同保险产品的保障范围不同,消费者如果想增加保障,可以在保留原保单的基础上,适度投保新险种进行加保。如果退掉原保单,投保新保单,在新保单的等待期内,消费者的保险保障属于真空状态,存在较大的退保风险。

    消费提示:

    人保寿险温馨提示每一位消费者,保险不必盲目求新求全,保险的功能在于“防患于未然”,我们要做的,是在风险来临之前做好保障。正确的投保方式应该是随着自身需求及经济能力的发展逐渐优化加保,不断夯实保险保障之墙。“盲目退保”和“退旧买新”,很容易造成“保障真空”,使消费者无法得到及时、全面的保险保障。


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