In the first step, people need to check their blood pressure, height and weight, mainly to check whether the insured has abnormal blood pressure, underweight or obesity.
The second step is to check the pulse, development and nutritional status, nerve and spirit, auscultation of heart and lung and palpation of abdomen, mainly to check whether the heart and lung function is normal and whether there is any major situation in the internal organs.
Finally, we should also check the surgical projects, otolaryngology projects, ophthalmology projects, stomatology projects and liver function tests.
When we buy commercial insurance, we must pay attention to health notification, because health notification is related to the follow-up claims of insurance, and both policyholders and insurance companies attach great importance to health notification.
Health notification is actually a questionnaire issued by an insurance company to the insured. The purpose of the questionnaire is to select the insured who meets the underwriting conditions. Telling the truth is related to the success of the claim. If you don't tell the truth, you may be refused compensation by the insurance company when you apply for a claim. According to Article 16 of China's Insurance Law, an insurance company may refuse to pay compensation if it fails to tell the truth.
Before we apply for insurance, the insurance company will ask the insured to provide some information for verification, such as providing recent inspection reports and so on. After the accident, the insurance company will conduct relevant investigations. If it is found that key information such as health status is not truthfully informed or concealed, then this insurance is invalid and will not be compensated.
Methods of health investigation: medical records of hospitals, records of social security cards, entrusting third-party institutions to conduct investigations, and information exchange between insurance companies.
In a word, when we apply for insurance, we must be cautious in the face of health notification. First of all, we must find out our current health status. If you encounter unclear or uncertain questions, you should confirm with the insurance company in time before filling them out, so as to safeguard your own interests to the maximum extent and avoid unnecessary claims disputes in the later claims process.