[理賠] 團保跟個人險同一家保險公司副本理賠疑問
幫我同事問以下問題：
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目前公司團保與個人險的意外險都是同一家
因為在公司發生過一次車禍，所覺得保險重要就保個人險
近期因為割傷較嚴重去醫院縫了五針
因為公司團險可以用副本理賠，所以就送了副本併同個人險申請理賠
但是個人險卻不賠，說要正本(因為要保書沒有寫說我有團險)
可是加保個人險時保險公司不是已經知道有團保了嗎?
所以可以要求個人險也用副本理賠嗎?
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