重疾险拒赔“急性肾衰竭”是否合理?-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	重疾险拒赔“急性肾衰竭”是否合理?
释义	法律分析：保险合同是双方约定的法律关系，应按照合同条款执行。投保人应当如实告知风险情况，保险公司应当依照约定承担保险责任。如果合同中没有将“急性肾衰竭”列入保险责任范围，则保险公司拒绝理赔是合理的。法律依据： 1.《保险法》第十四条：投保人应当如实告知风险情况。投保人故意或者重大过失未如实告知的，保险人有权解除合同。 2.《保险法》第三十六条：保险人应当依照约定承担保险责任。 3.《保险法》第四十五条：保险人应当在保险事故发生后及时理赔。 4.保险合同中的保险责任条款。
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