買了保險後抽煙 導致病情發生能獲得理賠嗎

wozheyanghuidani，zhiyaomailezhongdajibingbaoxian，zaibaoxianzerenfanweinei，bingqieguoleguanchaqiyibandounenglipei
，danqiantishitoubaoshiyidingyaorushigaozhi，zhedianfeichangzhongyao！

baoxianlipeiqishibingbuxiangchuanwendenayangnanhuozhemafan，qiantishikehuzaixuanzetoubaodeshihoujinxinglerushigaozhizishenjiankangzhuangkuangdexingwei，baoxiangongsizairushigaozhideqiantixiabingchengbaolezheweikehudetoubaoshenqing，lipeideshihoujiuhuifeichangdeshunchang。dangran，rushigaozhiyeshiyaojianlizaikehuhedailirendouchengxindeyuanzuoshang，zhishikehurushigaozhierdailirenburushitianxieyeshibukeyideyo！

保險投保的時候都是“誠信原則”，ruguotoubaorenzijibuchengxin

，xuyaochengdanxiangyingdehouguo。lipeishi，xuyaotijiaoxiangguanbinglijibaogao。ruguoshejihuxixitongxiangguanbingzheng
，lirufeiai，zexiangguanbinglihuibiaominghuanzheshifouxiyan。ruguofashengleyutoubaoshibuyizhideqingkuang，baoxiangongsihuizuochuxiangyingdechuli。

如ru果guo投tou保bao人ren僅jin僅jin因yin為wei錯cuo誤wu地di申shen報bao吸xi煙yan狀zhuang況kuang而er導dao致zhi理li賠pei的de相xiang關guan問wen題ti，保bao險xian公gong司si一yi般ban不bu會hui拒ju賠pei。在zai符fu合he理li賠pei標biao準zhun的de前qian提ti之zhi下xia，一yi般ban會hui扣kou除chu吸xi煙yan者zhe和he非fei吸xi煙yan者zhe的de保bao費fei之zhi差cha
，然ran後hou再zai進jin行xing理li賠pei。不bu過guo
，相xiang關guan的de保bao費fei差cha可ke能neng包bao含han通tong脹zhang等deng因yin素su，並bing由you保bao險xian公gong司si全quan權quan決jue定ding。

對於在投保之前沒有吸煙史的，投保之後開始吸煙並導致疾病的，是否應當理賠，應根據保險合同中的具體條款而定。

隻(zhi)要(yao)是(shi)投(tou)保(bao)人(ren)在(zai)投(tou)保(bao)前(qian)嚴(yan)格(ge)保(bao)證(zheng)程(cheng)序(xu)
，如(ru)實(shi)告(gao)知(zhi)，通(tong)過(guo)了(le)保(bao)險(xian)公(gong)司(si)的(de)體(ti)檢(jian)和(he)審(shen)查(zha)，得(de)到(dao)保(bao)險(xian)公(gong)司(si)的(de)理(li)賠(pei)應(ying)該(gai)沒(mei)有(you)問(wen)題(ti)。如(ru)果(guo)投(tou)保(bao)人(ren)故(gu)意(yi)隱(yin)瞞(man)病(bing)情(qing)，以(yi)不(bu)正(zheng)當(dang)的(de)行(xing)為(wei)詐(zha)騙(pian)保(bao)險(xian)公(gong)司(si)
，肯(ken)定(ding)是(shi)得(de)不(bu)到(dao)理(li)賠(pei)的(de)。在(zai)此(ci)基(ji)礎(chu)上(shang)，投(tou)保(bao)人(ren)在(zai)渡(du)過(guo)了(le)保(bao)險(xian)合(he)同(tong)中(zhong)所(suo)規(gui)定(ding)的(de)重(zhong)大(da)疾(ji)病(bing)等(deng)待(dai)期(qi)後(hou)，肯(ken)定(ding)是(shi)能(neng)夠(gou)得(de)到(dao)保(bao)險(xian)公(gong)司(si)賠(pei)付(fu)的(de)。