If you have a related illness before buying insurance and your illness gets worse after buying insurance, the insurance company will refuse to pay compensation on the grounds that you have a related past illness before buying insurance.
Health information determines who can buy insurance and who will be rejected. Insurance companies use it to evaluate your physical condition and occupation, and finally decide whether to protect you. Health insurance such as medical insurance, critical illness insurance, life insurance and cancer prevention insurance all need health information.
The function of health notification is reflected in two aspects: on the one hand, insurance companies are designed to prevent customers from deliberately defrauding insurance. For example, some people with ulterior motives know that they have some kind of disease, but they just hide it and fool insurance agents. As long as they buy insurance, they will go to treatment immediately.
On the other hand, insurance companies should control the insurance claim rate. After all, if they are already sick or have hidden diseases, the risk rate is definitely much higher than that of healthy people. In order to make money, they can only strictly inform the source and set up insurance products. The subsequent risk rate will be relatively less, and the claims will be less, which is better for the long-term development of insurance companies.