Case analysis of serious illness insurance without health notification
When Xiao Zhao, born in 1990s, was doing business in a bank, the salesperson recommended an old-age security and a critical illness insurance with the bank as the insurance company. In the process of filling in the information, Xiao Zhao found a health notice, and both questions were followed by a "yes" or "no" option. Xiao Zhao doesn't care whether they all choose "No".
It is understood that Xiao Zhao has never suffered from any serious diseases or physical defects such as disability since he was a child. Therefore, it is reasonable for her to choose "no" in the health notification, and the insurance company will underwrite it according to the regulations. But if the insured has a medical history and wants to hide it, the problem will be much more serious.
Because according to the definition of insurance in Chapter II and Article XI of the Insurance Law, the insured and the insurer stipulate the insurance rights and obligations in the insurance contract. When concluding an insurance contract, the parties shall reach an agreement through consultation and determine the rights and obligations of each party in accordance with the principle of fairness. Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily. Among them, the principle of fairness is embodied in following the principle of utmost good faith, which is embodied in practice as "telling the truth". Insurance company regulations:
1. The insurance company has the right to terminate the insurance contract if the applicant intentionally conceals the facts and fails to perform the obligation of telling the truth, or fails to perform the obligation of telling the truth due to negligence, which is enough to affect the insurance company's decision on whether to agree to underwrite or increase the insurance premium rate.
2. If the insured intentionally fails to perform the obligation of truthful disclosure, and an insurance accident occurs due to the termination of the insurance contract, the insurer shall not be liable for compensation or payment of insurance premium, nor shall it refund the insurance premium.
3. If the insured fails to fulfill the obligation of telling the truth due to negligence, which has a serious impact on the occurrence of the insured accident, the insurance company shall not be liable for compensation or payment of insurance premium for the insured accident caused by the termination of the insurance contract, but may refund the insurance premium.
Therefore, when taking out insurance, consumers must treat their personal health rationally. Even if they have a past medical history, they may not be refused insurance (the underwriting staff will examine the correlation between the medical history and the insured amount, and if the correlation is high, some insurance companies will underwrite it by raising the premium). Failure to tell the truth will definitely affect the insurance rights and interests.
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