Health notification is mainly a questionnaire used by insurance companies to understand the health status of the insured. Whether an insurance can be used normally and whether it can be settled normally is all related to this. Different insurance companies have different health requirements and ask different questions.
If you don't fill in the insurance truthfully when you buy it, and the circumstances are not serious, you can apply to the insurance company for supplementary health conditions, and the protection can still be effective.
However, once the circumstances are serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract immediately and shall not refund the premium.
When buying insurance, the health notice should be filled in according to the "three answers": answer whatever 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 intelligent underwriting fails, you can go to manual auditing again, because the auditing standard of manual underwriting will be more accurate and flexible. If the manual audit fails, it is necessary to choose products with less stringent hygiene requirements. I have collected and screened some sufficient insurance products that need to be collected:
point out
1, don't go to the hospital for physical examination before you want to buy insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, remember to inform the insurance company to avoid problems in later claims.