Health notification is an insurance company's health survey of customers, including past diseases, personal living habits, smoking and drinking. This is a very important content in the insurance contract. This is directly related to the effectiveness of protecting content. Generally, insurance can only be insured through health notification. Different insurance companies have different requirements for health status, and the content of inquiry is also different.
If you hide something when filling out the health notice, you can apply to the insurance company for supplementary underwriting if the circumstances are not serious.
If your health condition is too serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract immediately without refunding the premium.
When buying insurance in China to fill in the health notice, you can basically fill in according to this "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. Suppose there is something wrong with your health. Before buying insurance, I suggest you read this article: "Five Steps to Teach You to Take Insurance with Illness Easily".
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, manual auditing of manual underwriting will be more detailed and accurate. If the manual underwriting fails, we will change to a product with less strict health requirements. I have selected some products that need to be collected due to loose health notification: "Top Ten Insurance Products with Top Premium".
Friendly Reminder
1, you don't need a physical examination before you apply for insurance, you just need to answer what you know truthfully.
2. Friends who have experience in misdiagnosis should remember to tell the insurance company, because misdiagnosis is also recorded by the hospital, and not saying it may be considered as concealing health problems.
Hope to adopt!
The same number on the whole network: Xueba said insurance, welcome to search!
Source: Xueba said that insurance official website