If you encounter the same problem, the following two methods can help you insure quickly.
Method 1: Intelligent underwriting
Intelligent underwriting is our first choice. This method is very convenient and quick. As long as you answer a few questions, you will know immediately whether you can insure.
Take thyroid nodules as an example and apply for Kunlun Health Insurance 2.0. If the ultrasonic classification in the last six months is 1-2, it can be purchased normally through intelligent underwriting.
Moreover, in intelligent underwriting, there is generally no need to fill in the ID number. Even if it fails in the end, it will not leave a record of refusing insurance, nor will it affect your purchase of other insurance.
Method 2: Manual underwriting
Intelligent underwriting is a new thing in recent years, and it can not completely replace manual underwriting for the time being. Some complicated diseases still need to be audited by insurers.
For the convenience of everyone, Shen Lanjun compiled a list of online products that support manual underwriting:
Manual underwriting operation process is as follows:
In the "Insurance YEATION" menu, find the corresponding product.
In the product insurance interface, click "Appointment Consultant".
After applying for manual underwriting, send a physical examination report by mail.
There are also some insurance companies, such as Bainian and Hongkang, which can upload medical records directly on the insurance interface, which is more convenient and quick.
Image source: Deep Blue Treasure
After uploading the information, the insurance company will inform you of the underwriting conclusion by SMS within 1-3 working days.
Because different insurance companies have different auditing standards, if you are worried about being refused insurance, you can apply for underwriting from multiple insurance companies at the same time, and then choose the one you are most satisfied with.
Finally, I hope everyone can buy insurance that suits them.
ID General focuses on insurance assessment agencies and only recommends the products with the highest cost performance. Insurance questions can be answered at Deep Blue Insurance official website.