Health notification is an insurance company's inquiry about the health status of insurance customers and an important part of insurance contracts. The insurance company will only let you buy it if you pass the health notice. Different insurance companies have different health requirements and ask different questions.
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 what you conceal is too serious, according to the Insurance Law, the insurance company has the right to terminate the contract without returning the premium, and some insurance companies may return you a little cash value in a friendly way.
When filling out the health notice, you can write it according to these three points: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you are a friend with some minor physical problems, it is recommended to read this article before buying insurance: "Remember 5 steps to get insurance smoothly! 》
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, go to manual underwriting, because manual underwriting is more accurate and flexible. If the manual underwriting fails, we have to replace it with a new product and a product with less strict health requirements. I have compiled some products with less stringent health requirements, which need to be collected: the ranking of insurance products with less stringent health requirements.
skill
1. It is not recommended to have a physical examination before buying insurance. You just have to answer truthfully what you know.
2. Friends with misdiagnosis experience must inform the insurance company, which will affect your insurance content.
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