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问题
唇腭裂疾病是否会影响重疾险的赔付金额?
释义
法律分析:重疾险的保险责任一般包括心脑血管疾病、恶性肿瘤、器官移植等严重疾病,而唇腭裂疾病并不在其中。因此,重疾险不会针对唇腭裂疾病进行赔付。
法律依据:
1. 《保险法》第三十二条规定,保险人和被保险人应当按照保险合同的约定,履行各自的义务。
2. 《重大疾病保险条款范本》对所涵盖的疾病种类和标准进行明确规定,唇腭裂疾病不在其中。
总结:唇腭裂疾病不属于重大疾病范畴,因此不会对重疾险的赔付金额产生影响。保险人和被保险人要按照合同约定履行各自的义务。
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更新时间:2026/1/11 10:29:34