Alipay good medical insurance-health notification Long-term medical insurance refers to the need to truthfully inform your health status when you apply for insurance.
Health notification is a questionnaire for insurance companies to obtain the health status of the insured, and it is an important part of insurance. Whether you fill in the health notice truthfully or not is related to whether your insurance is effective. Different insurance companies have different requirements for health status, and the content of the inquiry is also different.
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 the health problem you lied about is too big, according to the provisions of the Insurance Law, the insurance company can refuse to pay the claim, terminate the insurance contract, or even refund you a penny.
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. If you are a friend with some minor physical problems, it is recommended to read this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When your smart underwriting fails, you can do manual underwriting because manual underwriting will be more accurate. If the manual underwriting fails, you have to change to a product with less strict health advice. These are some insurance products with less strict health control, which need to be collected:
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1, physical examination before buying insurance is not recommended. You just have to answer truthfully what you know.
2. Friends who have been misdiagnosed should pay attention. Misdiagnosis is also recorded by the hospital, so be sure to tell the insurance company.