从保险公司的理赔数据看,医疗保险出现理赔纠纷大多缘于三种情况:一是消费者在保险等待期内发生的医疗事故及由此产生的额外费用不在医疗保险的责任范围内。二是消费者购买医疗保险时没有如实告知,隐瞒既往病史。三是保险公司和消费者对理赔金额不满意。 Judging from the insurance company claims data, medical insurance claims disputes mostly due to three conditions: First, consumers in the insurance waiting period of medical malpractice and the resulting additional costs are not covered by the medical insurance. Second, consumers did not actually tell the medical insurance when buying, concealing the past medical history. Third, insurance companies and consumers are not satisfied with the claim amount.