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  • 以案说险 |保单失效风险大 及时缴费是关键

  • 2022-11-01
  • 约定分期缴费的人身险保险合同成立后,保单效力的维持维护,关键在于投保人是否正常按期履行缴费义务,假设在宽限期之内没有缴费,保单效力就会中止。所以及时缴费对于获得长久的保险保障至关重要,特别是众多疾病类的保险一般缴费期会长达20年、30年,消费者一定要记得要缴费这回事。

    案例简介

    刘女士在某保险公司为自己投保了一份缴费期为20年的重大疾病保险。缴费宽限期内,刘女士因疏忽没有按合同约定及时缴纳第5期保险费,保单于交费宽限期后失效。保单失效后刘女士向公司申请保单复效,经过公司核保人员综合风险评估,向她开出了需要体检的核保函件。刘女士按照保险公司的要求进行体检,却意外查出了罹患乳腺癌。刘女士向保险公司申请理赔,可由于刘女士的保单已失效,保险公司拒绝了刘女士的理赔申请。

    至此,此份保单因刘女士的疏忽没及时续上费,导致保单失效。原本可以获赔的保额也因此损失了。

    案例点评

    《保险法》 第三十八条:保险人对人寿保险的保险费,不得用诉讼方式要求投保人支付。当客户没按约定缴费时,保险公司除了提醒还是提醒,并没有强制的权力要求客户缴费,所以缴费只能客户自己主动且自愿情况下才行。

    第三十六条:合同约定分期支付保险费,投保人支付首期保险费后,除合同另有约定外,投保人自保险人催告之日起超过三十日未支付当期保险费,或者超过约定的期限六十日未支付当期保险费的,合同效力中止,或者由保险人按照合同约定的条件减少保险金额。一般人身险合同缴费期会很长,如20年30年缴费的保单非常常见,法律就规定了缴费日起有一定天数的宽限期,大部份保险条款也根据此条法文设置了30至60天不等的宽限期,并且最算没有缴费但在宽限期发生保险事故保险公司仍然需要承担保险责任,最大限度保护消费者的权益。

    但是一旦过了宽限期还未缴费,保单效力就会中止,保单效力中止期间,保险公司不承担保险责任。

    消费提示

    人保寿险温馨提示每一位消费者,分期缴费的保险合同及时缴费非常重要,及时缴费才能获得保险保障。同时,千万别认为保单失效了只要让保险公司恢复一下就行,保单失效期间一旦出险,会给消费者造成很大损失。希望每一位保险消费者都清楚自己的缴费义务,并且及时关注和留意保险公司提供续期服务提醒。


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