精神疾病住院 醫療保險難申請乎？【本期企劃】 免費試閱
Too Difficult to Apply for Medical Insurance?
It might be difficult for the psychosis to be cured in the short period and there might be various ways to take care of it, depending on the different conditions the patients have. Could an insured apply for insurance on the ground of the hospitalization to the insurer, when being hospitalized for the psychosis? In the opinion of this essay, since the hospitalization is a medical treatment written in the Mental Health Act, the explanation of the insurance contract should be in favor of the patient unless there was an explicit excluded liability the in the contract. As to the necessity of the hospitalization, the physicians who give the patient the medical treatment actually should make their judgment. Besides, it might inconsistent with the quid pro quo of the insurance contract to pay the hole insurance for the psychiatric day care. In proportion of the psychiatric day care might the payment consequently be.