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What is a health notice? How come? Is intelligent underwriting loose? 》
How to do health notification? 1. Ask questions, don't ask, don't answer.
What can I use to buy insurance in China? The principle of "limited notification" is to answer whatever you ask, and needless to say what you don't ask. ?
2. Pay attention to the time range of the query.
The diseases inquired by health notification have a specific time range.
3. Prepare medical records in advance
Health notification involves a large number of medical terms and symptom descriptions, and the terms are difficult to understand. It is also difficult for us to elaborate on our past medical history. Before filling out the health notice, you can prepare medical records and inspection reports for easy viewing.
When the insurance company claims, it will also tell us truthfully according to our medical records. There is no problem with health notification, and it will be smoother when making claims.
Dad also reminded everyone: pay attention to the accuracy of medical record information, and you can tell the doctor that you have configured commercial medical insurance when you see a doctor.
Is intelligent underwriting loose? Intelligent underwriting is an alternative option that health can't tell. The terms of health notification are not flexible enough, and the setting of intelligent underwriting is to give many people who are insured in spite of illness a chance to get protection.
Simply put, health notification is only the first threshold. If it does not meet the health notification, it can be intelligently underwritten. After the smart underwriting is passed, there is also a chance to buy.
For example, Ms. A, a 30-year-old woman, was diagnosed with grade II breast nodules during physical examination. Ms. A is going to buy a medical insurance to get protection. Because Ms. A has breast nodules, if she only looks at the health notice, she can't be insured. But with smart underwriting, she will find that the product is graded for breast nodules.
Ms. A truthfully filled in the information about her illness, and after submitting it, she passed the health notification directly, and the insurance company underwrote it normally. As can be seen from the above example, intelligent underwriting is very flexible. As long as the insured fills in truthfully, he can get the underwriting conclusion quickly and will not leave a record of refusing insurance.
Dad's nagging, health notification didn't ask about the illness, even if there is this in the intelligent underwriting, we still have to follow the principle of "don't ask, don't answer", and the health notification will prevail, so we won't talk about it any more.
Dad concluded that in practice, intelligent underwriting is not everything. You can also choose manual underwriting, that is, upload medical records, checklists and other materials to the insurance company, and the results will be available within 1 3 days after being audited by special staff.
Because each insurance company has different definitions of diseases, different products may give different underwriting conclusions, and there may be cases of increasing expenses, refusing insurance and normal underwriting.
It is also a clever way to choose several different health insurance products and apply for underwriting at the same time, and finally choose the one with the best underwriting conclusion.
Although health notification is strict, we can improve the success rate of insurance by health notification → intelligent underwriting → manual underwriting. Having said that, my dad still advises everyone to buy insurance while they are young and healthy. It is better to take precautions than to mend them.