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j asked in 社會與文化語言 · 1 decade ago

保險waiting period 請幫我翻譯全文意思

我要到澳洲念書要買當地的保險有些內容不了解

我看到要保書上面寫:The following waiting periods apply to this level of cover :my waiting period of time for Pregnancy (childbirth), Pre-existing ailments, illnesses or conditions for hospital services is 1 Year

但是我沒有以上的症狀為何還要等一年呢?

I GET CONFUSED

以下請高手幫我講解意思 ,我不懂waiting period 是要叫我現在買保險,一年的waiting period 過後我才享有保障嗎?

During a Waiting Period

Description

A waiting period starts from the date you join. During a waiting period you are not covered and will not receive any benefits for the types of treatment affected by the waiting period. Once the waiting period is over, you will receive the full benefits listed under your level of cover for that treatment type. When you upgrade to a higher level of cover, the benefits from your previous level of cover apply during waiting periods.

Within the first 12 months of joining, when determining whether proposed treatment is for a pre-existing ailment, illness or condition, HBA requests that the member provide a completed Medical Certificate (attached). This information is then assessed by an internal panel, including our fund’s Medical Adviser, to ascertain whether the condition is ‘pre-existing’ within the scope of the definition set out below. The member is then advised of the outcome in writing.

Update:

請幫我講解一下Description 後面的意思

請不要用翻譯網站好嗎?

句子裡面每一個字我都知道意思,但我不知道本文要表達的意思

Update 2:

所以我保險之前就要去做身體相關的疾病檢查嗎??

還是等通知呢?

1 Answer

Rating
  • 1 decade ago
    Favorite Answer

    Waiting Period中文叫「等待期間」,保險人對於在該期間內發生的保險事故不負理賠之責。常見於醫療險條款內,用來防止被保險人帶病投保,以維持保險給付的公平性和財務安全。Having this in mind, 您應該可以瞭解第一段文字的前半段,至於最後一句「When you upgrade to a higher level of cover, the benefits from your previous level of cover apply during waiting periods」是指當你提高保障時,新加保的部份仍需另一個等待期,但原先的保障仍然有效。例如:你原先是每日$1,000的住院定額給付,在等待期結束後生病住院,住院每日可領$1,000。康復出院後你決定將保額提高到每日$1,500,若於加保後等待期間內再次住院,那每日也只能領原來的$1,000,因為加保那$500還在等待期間內,不能賠给你。

    第二段的大意是說,在投保後十二個月內,HBA可以要求會員提供如附件所列的醫療文件,依下列定義判定要申請保險給付的疾病是否為先存病況(Pre-existing condition)。HBA的內部委員會醫事顧問判定後,會以書面通知被會員。

    2009-11-02 11:32:56 補充:

    簡言之,等待期間就是把醜話說前頭:「原則上我相信你沒病,但在期間內要真的生病了,我是不會賠的,所以你可別帶病投保啊!」,既然不賠,被保險人自無體檢的必要。

    若保險公司要求你去體檢,那是另有原因,例如:你在要保書(application form)告知過去一段時間(例:三~五年)內曾住院開刀,保險公司可能會因此要你提供病歷或檢驗報告,以確定你的體況是否為標準體(就是正常人),否則,你的保單可能會被加費承保或部份疾並批註除外(不保),最糟的狀況是拒保。

    所以,除非保險公司要求,你不用為等待期間去體檢,還有,在台灣,若保險公司要求體檢,體檢費用應該是由保險公司買單(除非你被體檢正常後反悔不投保)。

    Source(s): 保險從業人員
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