The insurance company will underwrite according to the health information of the insured, and decide whether to underwrite normally, increase the insurance rate, exclude underwriting or refuse underwriting. If it is excluded, these excluded diseases insurance companies will not pay.
Health notification is a questionnaire for insurance companies to obtain the health status of the insured, and it is an important part of insurance. This is related to whether your protection is effective, whether the insurance can make claims normally, and so on. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth, you don't have to rush to surrender if the circumstances are not serious. You can apply to the insurance company for supplementary underwriting, so the insurance can still be used.
If you don't tell your physical condition truthfully, according to the provisions of the Insurance Law, the insurance company has the right to refuse to settle claims and terminate the contract.
When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: answer whatever you ask; Don't ask or answer; Think carefully before you answer. Friends with more or less minor physical problems, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance raiders!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When your smart underwriting fails, you can directly replace the product or conduct manual underwriting, which will be more accurate and flexible. If the manual audit fails, it is necessary to choose products with less stringent hygiene requirements. I have collected some products that are not as demanding as health notification. I need to collect:
pay attention to
1, it is recommended that you do not have a physical examination before buying insurance. You just have to answer truthfully what you know.
If you are misdiagnosed, remember to tell the insurance company. Otherwise, your insurance rights will be affected.