预感自己患病，不去医院先买保险，等生效后再去医院，是不是能够获赔100万？
<span style="color: black;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/12iawed3qjDZPAeT7I4K8SBicDcz8YWgPdwB8b9icj8Ukxo27lG4Q6SibT5jkfPDMFV48ea1tRvibrAYLibiaRHvL82bw/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></span><p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">非常多</span>人在特定的场景下，会莫名其妙的产生一个想法，<span style="color: black;">便是</span>：</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">假如感觉自己身体<span style="color: black;">显现</span>严重不适，自我判断可能是大病/癌症，不查证（手机<span style="color: black;">没</span>询查记录）、不问症（医院<span style="color: black;">没</span>记录），先购买大额保险，扛住病痛等保险生效后再去医院进行<span style="color: black;">检测</span>/治疗，</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">请问<span style="color: black;">这般</span>投保虽然不道德<span style="color: black;">然则</span>否有效？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">是不是</span>能顺利获赔100万？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">倘若</span>你有这些疑问，<span style="color: black;">那样</span>请继续阅读， 先<span style="color: black;">瞧瞧</span>网友的意见，如下：</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">01</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">有效， 但保险<span style="color: black;">机构</span><span style="color: black;">亦</span>为此做了<span style="color: black;">制品</span>设计。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">寿险：2年以内<span style="color: black;">自s</span>不<span style="color: black;">能够</span>。 </span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">重疾：3个月内触发不行。 </span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗：1个月以内不行。 </span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">意外：非本意的，外来的，突发的，非<span style="color: black;">疾患</span>的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">02</span></p><span style="color: black;">健康险<span style="color: black;">通常</span>都有等待期，合同生效后过了等待期之后，<span style="color: black;">才可</span>赔付。</span><span style="color: black;">像百万医疗<span style="color: black;">通常</span>等待期最少是30天，<span style="color: black;">亦</span>有很<span style="color: black;">大都是</span>90天，而重疾险<span style="color: black;">通常</span>是180天，少部分是90天。</span><span style="color: black;"><span style="color: black;">倘若</span>你觉得<span style="color: black;">能够</span>等的起的话，<span style="color: black;">能够</span>先买一份，<span style="color: black;">重视</span><span style="color: black;">选取</span>等待期短的<span style="color: black;">制品</span>，过了等待期再去医院看。</span><span style="color: black;"><span style="color: black;">倘若</span>觉<span style="color: black;">生病</span>情比较严重，还是别想着保险能<span style="color: black;">不可</span>顺利陪，还是尽早去医院看的好，<span style="color: black;">以避免</span>耽误病情治疗。</span><span style="color: black;">03</span><span style="color: black;">就<span style="color: black;">近期</span>几个月的事，<span style="color: black;">伴侣</span>的前同事猝死了，</span><span style="color: black;"><span style="color: black;">据述</span>赔千把万，听了个大概故事感觉是个狠人，</span><span style="color: black;">这人可能是有预感，一年多前买了5,6家的保险，</span><span style="color: black;">买的时候没离婚<span style="color: black;">亦</span>没指定受益人，家属<span style="color: black;">tel</span>留的还是前妻的</span><span style="color: black;"><span style="color: black;">而后</span>没多久就离婚了，</span><span style="color: black;">后来保险<span style="color: black;">机构</span><span style="color: black;">tel</span>是打给他前妻，</span><span style="color: black;">不<span style="color: black;">晓得</span>最后赔的话算谁的，</span><span style="color: black;">估计是分不到前妻头上的。</span><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">04</p>
</span><span style="color: black;">是有效的，但几乎<span style="color: black;">无</span><span style="color: black;">能够</span>获赔的可能性。</span><span style="color: black;">不少重大<span style="color: black;">疾患</span>都<span style="color: black;">需求</span>经过180天仍<span style="color: black;">不可</span>治愈<span style="color: black;">才可</span>赔偿。</span><span style="color: black;">结合重疾险的180天等待期，此时<span style="color: black;">已然</span>过去一年。</span><span style="color: black;"><span style="color: black;">晓得</span>你是故意骗保的保险<span style="color: black;">机构</span>们此时<span style="color: black;">已然</span><span style="color: black;">能够</span><span style="color: black;">经过</span>警保联动这个<span style="color: black;">途径</span>借助警察力量搜集你的罪证。</span><span style="color: black;">想要理赔？当然<span style="color: black;">能够</span>，去牢里慢慢享受你的保险金。</span><span style="color: black;">而不<span style="color: black;">必须</span>时间的恶性肿瘤，在你感到<span style="color: black;">显著</span>的不适之前，肿瘤就<span style="color: black;">已然</span>经过相当长的病程，这<span style="color: black;">便是</span><span style="color: black;">为何</span>经常一查<span style="color: black;">便是</span>晚期的<span style="color: black;">原由</span>。</span><span style="color: black;">很可能<span style="color: black;">无</span>熬过等待期就<span style="color: black;">已然</span>去世，<span style="color: black;">或</span>好<span style="color: black;">不易</span>熬过等待期获赔，生不带来，死不带去。</span><span style="color: black;">你的妻子带着你的保险金改嫁，成就了其他的男人，这值得吗？</span><span style="color: black;">不要骗保。</span><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">05</p>
</span><span style="color: black;"><span style="color: black;">能够</span>，但很难。</span><span style="color: black;">有多少<span style="color: black;">疾患</span>在时间上能给你这个机会？<span style="color: black;">非常多</span>大病上来<span style="color: black;">便是</span>个急的，<span style="color: black;">基本</span>不给你等的机会，<span style="color: black;">例如</span>心肌梗塞、主动脉夹层、肾结石。</span><span style="color: black;"><span style="color: black;">亦</span>有的大病等有症状了基本<span style="color: black;">便是</span>晚期，<span style="color: black;">例如</span>绝大<span style="color: black;">都数</span>有症状才<span style="color: black;">发掘</span>的癌症，治疗要挣分夺秒，晚一步可能就转移了，丧失了根治的机会，<span style="color: black;">乃至</span>直接要命。</span><span style="color: black;">你怎么做到自我判断的？觉得不舒服吗？</span><span style="color: black;">谁得大病都是<span style="color: black;">第1</span>次，有几个人能有多次得同一个大病的机会？</span><span style="color: black;">医院的<span style="color: black;">非常多</span>诊断<span style="color: black;">必须</span>昂贵的医疗设备，多个<span style="color: black;">大夫</span>合作。</span><span style="color: black;">你想匿名做<span style="color: black;">检测</span>，得买通相当多人，<span style="color: black;">或</span>去昂贵的私立医院。想想就<span style="color: black;">晓得</span>不可行。之前有人这么做，<span style="color: black;">然则</span><span style="color: black;">最后</span>被查出来。</span><span style="color: black;">一个<span style="color: black;">大夫</span>，自己摸到甲状腺有肿物，冒名顶替挂号去看的，确定是甲状腺癌。他自己很<span style="color: black;">认识</span>这个病，<span style="color: black;">短期</span>内不要命，<span style="color: black;">乃至</span><span style="color: black;">能够</span>暂时不治疗，<span style="color: black;">瞧瞧</span><span style="color: black;">发展</span><span style="color: black;">状况</span>再说。于是，他就去买了<span style="color: black;">海量</span>保险，想发一笔财。</span><span style="color: black;">最后，保险<span style="color: black;">机构</span>动用<span style="color: black;">各样</span>关系，还真给查出来了，拒保。</span><span style="color: black;">他实在是太可疑了，<span style="color: black;">忽然</span>买<span style="color: black;">海量</span>保险，过等待期没多久就出事儿，保险<span style="color: black;">机构</span><span style="color: black;">必定</span>是重点查的。</span><strong style="color: blue;"><span style="color: black;">保险<span style="color: black;">机构</span>有<span style="color: black;">非常多</span>野路子来查的，<span style="color: black;">非常多</span><span style="color: black;">基本</span>没法放到阳光下，别管怎么拿到的，但人家<span style="color: black;">便是</span>查到证据了。</span></strong><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">06</p>
</span><span style="color: black;"><span style="color: black;">不消</span>预感。我你告诉<span style="color: black;">哪些</span>人是怎么做的。</span><span style="color: black;">保险行业破获过不少骗保大案，其中就有影像科<span style="color: black;">大夫</span>从特殊<span style="color: black;">途径</span>买了台二手超声机，离职后私底下专门给人做甲状腺<span style="color: black;">检测</span>。一旦<span style="color: black;">发掘</span>4类的，就赶紧买<span style="color: black;">巨额</span>重疾险，等过了等待期再申请理赔、分钱…</span><span style="color: black;"><span style="color: black;">为何</span>选甲癌？<span style="color: black;">由于</span>这个癌懒嘛，耗的起，不要说3个月等待期，就算三年不治绝大<span style="color: black;">都数</span><span style="color: black;">亦</span>不会咋样。</span><span style="color: black;"><span style="color: black;">然则</span>你换其它病试试？乳腺结节<span style="color: black;">非常多</span>人会摸吧？哪怕再神奇点，你懂奇经八脉，会摸肝胆胰脾双肾输尿管……但摸出来你<span style="color: black;">亦</span>耗不起这个等待期，听说是癌吓都吓死了，恨不得明天就去医院躺着，谁还沉得住气熬3个月？嗷对了，<strong style="color: blue;"><span style="color: black;">做为</span>骗保重灾区的互联网重疾险，<span style="color: black;">此刻</span>等待期<span style="color: black;">都数</span>都是半年了…</strong></span><span style="color: black;">不可否认，当然有人侥幸拿到赔款了。有些狠人是真的狠，没癌还伪造病历给自己搞化疗，真化疗哟！但常在河边走，<span style="color: black;">更加多</span>的是湿鞋的。</span><strong style="color: blue;"><span style="color: black;">一旦等待期后马上申请理赔，保险<span style="color: black;">机构</span>会严查，恨不得把你几十年前在乡镇卫生院出生时的病历都挖出来分析。</span></strong><span style="color: black;">尤其这种团伙作案的其实很容易留下破绽，<span style="color: black;">详细</span>我就不说了。只告诉<span style="color: black;">大众</span>，广东是重疾险阳性概率最高的地区（北方某些城市是意外险阳性高发区）。</span><span style="color: black;">而侥幸没被<span style="color: black;">发掘</span>的，代价<span style="color: black;">便是</span><span style="color: black;">此刻</span>重疾险越来越贵，<span style="color: black;">由于</span>保险<span style="color: black;">机构</span>亏惨了，没几家再保还愿意保重疾险。其次是甲状腺癌（更<span style="color: black;">大都是</span>指乳头状）被踢出了重疾范畴，按轻症赔。再<span style="color: black;">便是</span>投保两年内发病的，理赔调查会很严……噢，还有，有些科室<span style="color: black;">大夫</span>买保险会比较麻烦——这几个代价<span style="color: black;">最后</span>还是得所有消费者<span style="color: black;">一块</span>买单。</span><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以上为网友意见，如侵权请联系粤保宝删除。</p>
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">保险经纪人粤保宝</span></strong><strong style="color: blue;"><span style="color: black;">先回答问题：</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">隐瞒既往病史，或有骗保目的买保险，出险后有机会<span style="color: black;">得到</span>100万以上<span style="color: black;">巨额</span>保险赔偿金，但<span style="color: black;">必须</span><span style="color: black;">有些</span>技巧。</span></strong></p><span style="color: black;"><strong style="color: blue;"><span style="color: black;">保险经纪人粤保宝前职工作是保险反欺诈调查，<span style="color: black;">便是</span>针对成功带病投保后出险<span style="color: black;">或</span>以有骗保嫌疑的案件，<span style="color: black;">况且</span>理赔金额高达100万以上的案件进行全面调查取证。</span></strong></span><span style="color: black;">处理过的案件<span style="color: black;">最少</span>200+以上，有几个案例<span style="color: black;">尤其</span>深刻，买保险的人<span style="color: black;">或</span>受益人最后顺利理赔<span style="color: black;">巨额</span>赔偿金。</span><span style="color: black;">就说两个吧，以下内容<span style="color: black;">触及</span>个人隐私，<span style="color: black;">重要</span>信息进行了模糊处理。</span><strong style="color: blue;"><span style="color: black;">1、A男是X籍华人，人才引进在某市X科医院担任心脏<span style="color: black;">科研</span>员，买了100万意外险附加猝死，投保3个月就猝死，做了尸检（心脏病）。</span></strong><span style="color: black;">经调查有先天性家族遗传心脏病，有<span style="color: black;">长时间</span>服药，但<span style="color: black;">无</span>任何医疗记录，<span style="color: black;">药品</span>购买记录，仅有的纸质体检报告<span style="color: black;">亦</span>提前篡改了。</span><span style="color: black;">体检每年都做，但他在任职医院做，该医院<span style="color: black;">已然</span>违规销毁体检原始记录（纸质+电子），该医院长达10年违规开展体检。</span><span style="color: black;">卫健委介入对医院进行了处罚。公安经侦<span style="color: black;">亦</span>介入。保监会<span style="color: black;">亦</span>介入。</span><strong style="color: blue;"><span style="color: black;">理赔结果：A家属获赔100万。</span></strong><strong style="color: blue;"><span style="color: black;">2、B男是某大型互联网保险代理<span style="color: black;">公司</span>员工（离职几个月），投保了150万意外险，20万寿险，50万意外险。</span></strong><span style="color: black;">B男的<span style="color: black;">妻子</span>向保司索赔，<span style="color: black;">亦</span>是保险<span style="color: black;">公司</span>员工（在职），报案<span style="color: black;">叫作</span>B男坠河意外身亡。</span><span style="color: black;">经调查死亡原因是主动跳河<span style="color: black;">自s</span>，证据有跳河<span style="color: black;">自s</span>前遗书，监控录像，家庭矛盾聊天记录，现场环境和目击人，公安案卷等<span style="color: black;">等等<span style="color: black;">等等</span></span>等。</span><strong style="color: blue;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">理赔</span></strong>结果：寿险赔20万，150万意外险诉讼赔130万，50万意外险</span></strong><strong style="color: blue;"><span style="color: black;">以上<span style="color: black;">便是</span>我给你的观点，<span style="color: black;">期盼</span>对你有<span style="color: black;">帮忙</span>。<span style="color: black;">倘若</span>你想<span style="color: black;">认识</span><span style="color: black;">更加多</span>带病投保的信息，<span style="color: black;">或</span>想<span style="color: black;">选取</span>合适自己的保险<span style="color: black;">制品</span>，欢迎扫描下方二维码与明亚保险经纪人粤保宝取得联系。</span></strong><span style="color: black;">丨投保丨理赔丨合作 链接保险经纪人粤保宝</span><span style="color: black;">【<span style="color: black;">详细</span><span style="color: black;">保证</span><span style="color: black;">方法</span>以<span style="color: black;">实质</span><span style="color: black;">状况</span>定制为准】</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">---- End -----</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span>你看完这篇内容觉得还不错，</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">真诚地<span style="color: black;">期盼</span>你丨分享<span style="color: black;">丨</span>点赞<span style="color: black;">丨</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">或</span>丨在看<span style="color: black;">丨</span>让<span style="color: black;">更加多</span>人看见 </span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">亦</span>许你的分享就可给TA带来些许价值 :)</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/sz_mmbiz_png/12iawed3qjDYsHiaciaE5MKR6hAM7bbFyqxPkmZswSxqm181jT31a8PU8UMBm2POIiccIF5VYcFwqKJicvmQFPON6vQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
我完全同意你的观点，说得太对了。 感谢你的精彩评论，带给我新的思考角度。 我完全同意你的观点，说得太对了。
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