1. Health problems: body type, past medical history, family medical history, present medical history, past claims analysis, additional physical examination items, etc. Most health reports are aimed at health problems. Many insurances have restrictions on the health status of the insured and their relatives. Because heredity will also affect the disease risk of the insured. But the previous claims analysis is more obvious for medical insurance. Many medical insurances are short-term products, usually one year. If there are many claims in the past, you may encounter increased expenses or refusal of insurance when you renew your insurance.
2. Financial issues: income, family finance, insurance demand, insurance amount, insurance motivation, etc. Insurance companies should measure whether the insured has the ability to pay premiums and whether there is the possibility of fraudulent insurance. Especially for high-value insurance, insurance companies generally require customers' income and labor ability certificates (personal income tax and personal net assets) or enterprise ownership and operation certificates (enterprise business license, enterprise capital verification report, enterprise audit report for three consecutive years, enterprise debt-related information, etc.). ).
3. Other factors: age, gender, occupation, hobbies, place of residence, whether being refused insurance, whether having social security, etc. Other factors range widely. In addition to common factors such as age, gender and occupation, people who like high-risk sports may also encounter problems when insuring products such as life insurance. The existence of social security has little influence on critical illness insurance, but it has great influence on medical insurance. Many medical insurance rates with and without social security vary greatly, so it is recommended to pay social security if possible.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.