But Mr. Shang remembered that he did not have cerebrovascular disease at that time, and the three drugs prescribed by the doctor at that time were not used to treat cerebrovascular disease. In December 2021, Mr. Shang was admitted to the hospital due to a sudden cerebral infarcti

Top news reporter Liu Yuanhuai

The doctor wrote that the reason for seeking medical treatment was cerebrovascular disease when he went to a clinic five years ago. Mr. Shang from Sui County, Henan Province was arrested by China Life Property Insurance Co., Ltd. (hereinafter referred to as: China Life ) refused to compensate.

But Mr. Shang remembered that he did not have cerebrovascular disease at that time, and the three drugs prescribed by the doctor at that time were not used to treat cerebrovascular disease. Mr. Liu, who is responsible for handling claims, said that the situation has been reported to superiors for a decision.

[Sudden cerebral infarction was refused compensation by the insurance company]

In December 2021, Mr. Shang was admitted to the hospital due to a sudden cerebral infarction and is still receiving treatment in the hospital. The cost of a long hospitalization exceeded 360,000 yuan, which put Mr. Shang's family's finances very tight.

In desperation, Mr. Shang remembered the insurance his daughter purchased for him from China Life Property Insurance Co., Ltd. in China for 1,441 yuan in September 2021.

The insurance contract shows that the insurance is Medical Insurance A (2021 version), which includes general medical expenses, critical illness expenses and one-time payment for critical illness.

However, after submitting relevant materials, Mr. Shang’s family received a reply from the insurance company that refused to claim compensation. The reason for rejecting the claim was that in 2017, Mr. Shang went to a clinic for treatment for cerebrovascular disease.

(The specific terms of the insurance contract do not include cerebrovascular disease)

[The party stated that the medicine prescribed was not for the treatment of cerebrovascular disease]

Materials provided by China Life to Mr. Shang’s family show that on February 3 and 2, 2017 On the 24th, Mr. Shang went to the outpatient clinic of Liu Chunmei Health Center for cerebrovascular disease and was prescribed a total of 3 kinds of medicines: 0.9% sodium chloride, ceftazidime , compound licorice , at a cost of 50.1 yuan.

"We checked these three drugs, and they are not used to treat cerebrovascular disease at all." On May 21, Ms. Cheng, Mr. Shang's family member, told Top News reporters that these drugs are not directly related to Mr. Shang's current condition. . As for why the doctor in the clinic wrote about cerebrovascular disease, the person involved was not sure about it after so long.

Top News reporters learned from the Pharmacy Department of Henan Provincial Hospital of Traditional Chinese Medicine that the above three drugs will not be used solely for the treatment of cerebrovascular diseases.

"Besides, the insurance contract does not say that cerebrovascular disease cannot be insured." Ms. Cheng said that according to the health notification statement in the insurance contract, among the diseases that the insured currently suffers from or has suffered in the past, only cerebral infarction , Cerebral hemorrhage , no cerebrovascular disease.

(drugs prescribed by a small clinic for Mr. Shang in 2017)

[Claim adjuster: The situation has been reported to superiors]

On May 21, Mr. Liu, the China Life staff member responsible for handling claims for Mr. Shang, said that based on the current situation, Mr. Shang Based on feedback from Mr.’s family, the company has decided to report the situation to superior leaders.

"We will also verify the medical records of small clinics in 2017 to see whether they have cured cerebrovascular diseases." Mr. Liu said that the status of the above three drugs has also been reported to the leaders.

Top news will continue to pay attention to whether Mr. Shang can obtain a claim from China Life.