Supplementary health advice, the insurance company will reconsider whether to underwrite according to the actual situation. If you refuse insurance, you can try another insurance company or buy other insurance with loose health advice. Many people don't realize the importance of health notification. I will give you a popular science lesson today.
Health notification is a health survey conducted by insurance companies on insured customers and an important part of insurance contracts. This is directly related to whether the insurance can be settled normally. Different insurance companies have different requirements for health status, and the content of inquiry is also different.
If you don't tell the truth when you apply for insurance, if the situation is not serious, you can discuss with the insurance company to supplement the underwriting, and the insurance can still continue to take effect.
If your health problem is too serious, according to the provisions of the Insurance Law, the insurance company can refuse to pay compensation, terminate the insurance contract and not refund the premium.
The filling of health notification can be answered according to these three points: answer what you ask; Don't ask or answer; Think carefully before you answer. If you have some minor problems in your body, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If the intelligent underwriting fails, you can go to the manual audit again, which will be more detailed and accurate. When manual underwriting fails, you can only choose to buy products that are not so demanding on health. Here are some products that are not so demanding on health and need to be collected:
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1, it is best not to go to the hospital for physical examination before insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, you must tell the insurance company, because misdiagnosis will also have outpatient or hospitalization records, which may affect the later claims.