Many people don't know much about insurance claims. In order to avoid disputes, they want to take the initiative to have a physical examination before buying insurance. But in this case, Shen Lanjun felt it was unnecessary.
In the face of health notification, as long as you tell the truth according to the existing physical examination data, there is no need to go to the physical examination to prove your health.
Article 16 of the Insurance Law stipulates that:
When signing the contract, if the insurance company asks about the customer, the customer shall truthfully inform him.
And if there is no physical examination and you don't know if you are sick, there is no possibility of concealing your illness.
Whether you buy insurance online or offline, you need to read the health notification part of the insurance. As long as you meet the requirements of health notification, you can apply for insurance normally.
Second, I bought insurance. Can I have a physical examination while waiting?
It takes a long time from finding abnormality, examination, pathological section to final diagnosis.
Some friends are puzzled. If the problem is found during the waiting period, but the diagnosis is not made until after the waiting period, will the insurance compensate?
In fact, this situation is more complicated, depending on how the contract is agreed, some products can be compensated, and some can't. I suggest you read the product terms carefully.
Of course, from another point of view, there is no problem with colds, fever, diarrhea, or finding a single curable disease during the waiting period, and it has no effect on the claims of critical illness insurance.
However, if it is a minor or serious illness diagnosed during the waiting period, then the insurance will definitely not be compensated. After all, the waiting period has not passed.
In a word, my suggestion is that if you are really unwell, you should have an examination at once. There is no need to delay the illness in order to survive the waiting period. After all, health is the most important thing!
Third, what circumstances must be reviewed?
In real life, most people don't have to go to a physical examination to buy insurance. However, in some cases, in order to control risks, insurance companies will require physical examination. Common situations are as follows:
The first type: those who continue to participate in the insurance beyond the quota for exemption from medical examination.
The critical illness insurance introduced by insurance companies often sets the maximum amount of medical insurance, such as 500,000. If the customer's insurance coverage exceeds 500,000, a physical examination is required.
The second type: customers with past medical history or some special circumstances.
This kind of customer insurance company may think that the potential risk is greater, so it requires a physical examination.
Third, insurance companies will randomly check some newly insured customers, but the probability of being randomly checked is often very low.
There are also many situations that require physical examination and specific analysis. In many cases, insurance companies will also bear the medical expenses of customers.
Four, a number of medical reports, which one shall prevail?
People will take part in various physical examinations all their lives, such as company physical examinations, regular physical examinations at schools, and irregular physical examinations when they are unwell.
Faced with so many medical reports, there will inevitably be conflicts. Which one will the insurance company take as the standard? Shen Lanjun summarized the following contents:
The choice of personal physical examination and company physical examination shall be subject to the company.
Compared with the physical examination within 1 year, the physical examination two years ago refers to the physical examination closest to the present time.
Compared with the physical examination center of public hospital, the physical examination institution takes the public hospital as the standard.
Secondary hospitals and tertiary hospitals shall be subject to the results of tertiary hospitals with high grades.
Compared with the special inspection in the hospital, the special inspection shall prevail.
Shen Lanjun believes that in any case, there is no need to worry. Just give the relatively more valuable report to the insurance company and let the underwriting staff handle it.
5. Should I be informed of the small arrow on the physical examination form?
Usually, a young man with normal health will find some substandard items when he goes for a general physical examination, let alone a middle-aged man in his forties.
However, some people are particularly worried that the insurance company will cheat when making claims, so they will inform the insurance company of all their past medical examinations.
For example, some harmless little arrows and positive indicators on the physical examination report are normal manifestations. In fact, you can check the information yourself or get to know it first. Needless to say, if it doesn't affect your health.
I also saw that some people informed the insurance company of the results of their genetic tests, which added unnecessary trouble to themselves.
In this case, it not only increases the workload of the underwriting staff of the insurance company, but also makes the underwriting staff more cautious, so the underwriting conclusion will be more harsh.
If you can't judge, you can consult a forensic doctor.
But in general, Shen Lanjun suggested that everyone should answer questions according to the health notification questionnaire, and don't answer without asking, that's all.
6. Can the insurance company check the medical records?
Generally, friends with physical conditions will ask Shen Lanjun this question, and the answer is that of course there is a chance to be found out.
When we buy insurance, there will be such a statement in the insurance notice:
In other words, insurance companies have the right to know our medical records and medical records from various channels when making claims.
Buying insurance is peace of mind and security. It is recommended not to take any chances.
7. Where is the physical examination more reliable?
Now there are more and more private medical institutions around us, which are beautiful, healthy, Aikang and Ciming. ......
However, with the increase of service population, the internal management problems of some institutions have become increasingly prominent. The news that some medical institutions have falsified the test results from time to time has also aroused everyone's concern about the quality of physical examination.
So where is the physical examination better? Shen Lanjun listed the advantages and disadvantages of public hospitals and medical institutions:
1, public hospital
Advantages: strict national supervision, strong credibility, systematic detection and screening, convenient for timely medical treatment.
Disadvantages: you need to do it yourself, and it is difficult for people to queue up.
2. Physical examination institutions
Advantages: There are a series of services, and the inspection experience is great.
For example, accompanied by a doctor, sending reports, online interpretation, on-site service, etc. , breakfast, drinks, massage seats, etc. The client will be prepared for the physical examination.
Disadvantages: the service cost is relatively expensive, the credit is not easy to control, and there may be problems such as "emphasizing service over quality", which is also an important reason for public opinion.
Everyone has his own preferences, and both medical institutions and public hospitals have their own advantages. Just choose according to your own needs.
If you have a good reputation and have a reliable medical examination institution around you, you can really choose. If you really can't find a suitable one, Shen Lanjun suggests that you directly choose the physical examination department of the top three hospitals.