重疾险中排除“昏迷”是否符合消费者利益?-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	重疾险中排除“昏迷”是否符合消费者利益?
释义	法律分析：根据相关法律规定，保险公司应当依据保险合同履行赔偿义务。排除“昏迷”作为重大疾病的赔偿范围，存在制约消费者利益的问题。法律依据：《保险法》第十二条：保险公司应当依照保险合同履行赔偿义务，保障被保险人的合法权益，不得擅自变更、限制或者免除赔偿责任。《保险法》第十三条：保险公司应当在规定时间内履行赔偿义务。被保险人或者受益人提交索赔申请后，保险公司应当在15日内作出理赔决定，并给付赔款。《保险条款》：重大疾病保险条款应当明确列举出具体的保险责任和赔偿范围，不得擅自排除保险责任。综上所述，保险公司排除“昏迷”作为重大疾病的赔偿范围，可能违反保险法规定和保险条款要求，与消费者的合法权益不符。
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