Don't miss this collection of knowledge about insurance dry goods before entering the relevant popular science of health insurance: before buying insurance, you must first understand these key knowledge points!
Health insurance refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
When purchasing health insurance, you need to pay attention to health notification and exemption clauses.
The first is the health bulletin. When insuring most health insurance, such as critical illness insurance and medical insurance, the insurance company will ask us to give a health notice first, which will replace the physical examination and become a small questionnaire to understand our physical health.
When making health notification, you must truthfully answer the past medical history asked by the insurance company. If the insurance company doesn't ask about the disease, even if you have a past medical history, you don't need to answer.
Tips on health notification can be found here: What are the tips for health notification when you are insured?
The second is the exemption clause. Insurance products generally have exemption clauses, and health insurance is no exception. Exemption clause means that under certain circumstances, the insurance company will not make claims.
The fewer exemption clauses, the higher the probability of compensation, and the better for the insured.
Before buying health insurance, be sure to see how many exemption clauses are set in the product terms. Only when you are out of danger without exemption clauses can you get a claim.
Regarding the exemption clause, this article is more detailed: What is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!
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