[理賠] 先前有鼻過敏,開刀可理賠嗎？
我在6年前,曾經有一次因為嚴重鼻過敏去大醫院診療
後來隔一年買保險時有附醫師證明,保險單上面還附錄：追蹤情況良好
但是鼻過敏幾乎是國民通病了,不算是什麼重大疾病
目前去醫院檢查,醫師說我有鼻瘜肉,慢性鼻竇炎,需要內視鏡開刀診療+住院3天
我不知道這一部份保險能否理賠？
因為我當初除了買終生醫療險之外,還有買防癌+實支實付醫療險
請問一下板上資深的業務員們
像我這樣的情形,可以申請醫療險理賠嗎？
若不能申請醫療險理賠,那麼實支實付的也能理賠嗎？
謝謝
會有顧慮是擔心之前就有在大醫院看診一次,不過那一次是鼻過敏而已
很怕這樣的紀錄讓我的鼻瘜肉開刀,無法理賠
感恩回答
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