深度昏迷形成后再加入重疾险是否有保障?-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	深度昏迷形成后再加入重疾险是否有保障?
释义	法律分析：根据《保险法》规定，保险合同自成立之日起生效。但《重大疾病保险条款》中规定，对于被保险人已经患有的疾病，保险公司有权拒绝承保或者增加保费，但应当在合同中予以明确。因此，如果被保险人在未患病前未加入重疾险，则无法享受重疾险的保障。但如果在患病之后加入重疾险，保险公司可以拒绝承保或者增加保费，但应当在合同中明确规定。法律依据：《保险法》第十二条：保险合同自成立之日起生效。《重大疾病保险条款》第四条：对于被保险人已经患有的疾病，保险公司有权拒绝承保或者增加保费，但应当在合同中予以明确。
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