According to most of the student clients I have contacted, I should buy a group accident insurance or student accident insurance card (Xue Ping Insurance) organized by the school.
There is no reason for the insurance company to take you to the third grade for examination. Because it has been two years since the third grade, and I can study normally in two years, it shows that the exam is not too harmful to my health. What the insurance company said about the recurrence of old injuries is groundless. Your illness was obviously caused by an accident. Because you can still study and live normally, without accident.
It is the burden of proof for the insurance company to prove that your illness is necessarily related to this disease. It is not necessarily relevant evidence to find out the reason only by NMR vibration. I can only say that I found myself injured once in the third grade. What is more reassuring is that the doctor's diagnosis will clearly indicate that it was caused by accident. . . . . Instead of writing about the recurrence of old injuries. The medical certificate is the most powerful evidence.
Give you some other information that may be useful to you:
According to the new insurance law:
Article 16 If the insured fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the insurance premium rate, the insurer has the right to terminate the contract.
If the right to terminate the contract stipulated in the preceding paragraph is not exercised for more than 30 days from the date when the insurer knows the reason for termination, it shall be extinguished.
Explanation: If your medical card is easily turned out (some school doctors have records there), it means that the company has not investigated the physical condition of the insured students before and after this year's insurance. After more than 30 days, the contract will be considered valid, and compensation will be paid in case of an accident.
Article 26 The limitation of action for the insured or beneficiary of insurance other than life insurance to claim compensation or pay insurance money from the insurer is two years, counting from the day when he knows or should know the occurrence of the insured accident.
The limitation of action for the insured or beneficiary of life insurance to request the insurer to pay the insurance money is five years, counting from the day when he knows or should know the occurrence of the insurance accident.
Article 30 Where there is any dispute between the insurer and the applicant, the insured or the beneficiary over the terms of an insurance contract concluded with standard terms provided by the insurer, it shall be interpreted according to the usual understanding. If there are more than two interpretations of the terms of the contract, the people's court or arbitration institution shall make an interpretation in favor of the insured and the beneficiary.