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在部分保险合同条款中,约定有被保险人需要到保险公司指定的医院治疗,保险公司才承担保险责任的内容。这部分内容或记载于保险条款“保险责任”部分,或者记载于“释义”等部分。有些保险合同还载明,保险公司有权变更指定医院,部分保险公司在合同履行过程中据此对指定医院进行了变更。如果被保险人不是在保险公司指定的医院治疗,保险公司就会依据上述条款拒赔,双方极易发生争议。
In some of the terms of the insurance contract, it is stipulated that the insured person needs to go to the hospital designated by the insurance company for treatment and the insurance company will bear the responsibility of insurance. This part of the insurance policy or “insurance liability” section, or described in the “Interpretation” and other parts. Some insurance contracts also state that the insurance company has the right to change the designated hospital, and some insurance companies have changed the designated hospital accordingly during the performance of the contract. If the insured person is not treated at a hospital designated by the insurer, the insurer will make a claim based on the above clauses and the dispute between the two parties will be extremely easy.