The insured needs health information.
Health notification refers to the inquiry and investigation of the insured's physical condition when the insurance company purchases insurance. Whether an insurance can be used normally and whether it can be settled normally is all related to this. 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 the situation is serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract without returning the premium. Some insurance companies may kindly give you a little cash value.
When filling out the health notice, you should follow these three answers: answer whatever you ask; Don't ask or answer; Think carefully before you answer. Friends with some minor physical problems, it is best to read this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If the smart underwriting fails, a manual audit will be conducted. This is because manual underwriting will be more accurate and flexible. When manual underwriting fails, you can only choose to buy products with lower health requirements. I have collected and screened some insurance products that are sufficient and need to be collected:
pay attention to
1, it is recommended that you do not have a physical examination before taking out insurance. You just have to answer truthfully what you know.
2. If you have been misdiagnosed before, you must inform the insurance company, otherwise you will be considered as really suffering from this disease.