醫美疏失 醫療險理賠難度高

[yiminnn]

工商時報【記者張中昌╱台北報導】

愈來愈多人因為愛美，尋求整型外科來改善外貌，但是壽險業者提醒，對整型手術或微整型等這類醫學美容療程所引起的醫療疏失，保險是否理賠仍有模糊地帶，消費者在進行相關手術前，必須自己評估風險。

業者指出，若因意外事故所造成的外觀缺失，經醫生建議進行必要的整型手術，且於衛生署認定的醫療院所實際進行治療，保險會理賠；但若單純追求美麗而於醫美診所進行的整型手術，則不在保險理賠範圍內。

壽險業者認為，整型手術概分為醫療導向、追求美麗兩種，例如兔唇等天生疾病、或是因後天意外造成身體異常而進行的整型手術均屬醫療導向，透過整型手術不僅可讓患者重建身體機能，也可使患者擁有正常的外觀。

因「先天性」疾病造成的外觀缺失，保險是除外不理賠，但如果投保30天後才因新發生的疾病而影響外觀，必須進行整型治療，這部分會依照手術費用理賠。

此外，許多重大傷害如燒燙傷意外，經送醫治療後傷部仍可能遺留難以抹滅的疤痕，往後恐需長期進行重整手術，且花費可觀，部分業者提供「顏面傷殘整型費用給付」，特別針對頭、頸、顏面等部位因意外傷害遺留的顯著外觀缺失，針對所需整型手術費用予以補貼。

但業者指出，若單純是出於追求美麗而進行的整型手術，像割雙眼皮、隆鼻，或是近年流行的施打玻尿酸、雷射等微整型，皆為消費者自發行為，目前各家保險公司推出的保單險種，都沒有提供相關的保障規劃。

[mowball]

醫療險補助的是醫療費用吧

跟 醫療疏失本來就無關
難道保險公司會支付插管失敗植物人的3000萬???? (咦)

[施肇榮]

醫療險補助的是醫療費用吧
跟 醫療疏失本來就無關
難道保險公司會支付插管失敗植物人的3000萬???? (咦)

保險公司不一定會支付插管失敗植物人的3000萬

但肯定的是

保險公司指派的律師一定會比插管失敗植物人賠3000萬的律師認真

讓保險公司少賠一點

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