First of all, read the insurance clauses carefully to know which ones should be insured and which ones should not be insured.
There are hundreds of health insurance products now, but no matter how they change, there will always be such a clause-"insurance liability and liability exemption", which is the core content of the clause. "Insurance liability" tells the applicant what to insure if he buys this insurance, while "liability exemption" tells the applicant what not to insure. All policyholders hope that the "insurance liability" can cover their own needs, and the less "liability exemption" the better, so it is very important to understand this before signing the bill!
Secondly, remember to check the cash value table and make clear how much the policy is worth.
Some life insurance policies have a concept called "cash value", which means that at a certain point in time, if the insured needs to realize the policy, how much can be changed. The cash value is based on the following three situations: when the contract is terminated, the payment is made according to the cash value; When policy loans are allowed, the maximum loan amount is calculated according to the cash value; And when paying the policy dividend, calculate the cash value according to the cash value.
Once again, fill in the insurance policy patiently and be meticulous and realistic.
There is such a case: Mr. A bought a health insurance in 2003, and when he needed to pay for heart surgery in 2008, the insurance company made a relevant medical history investigation, and found that Mr. A was diagnosed with cancer on 1997, thus making a decision to terminate the contract. Mr. A couldn't accept it, because although he had cancer, he later recovered, which was many years ago. He didn't care, so he didn't tell me when he signed the bill. In fact, it is not important that the insurance company has the final say, and it is the insured who has the final say. In order to avoid possible disputes, it is necessary to "know everything and say everything".
Fourth, be sure to sign your name in person, and don't ask someone to write it for you.
No matter the insured or the insured, I must sign it myself. If the insured is a minor (18 years old or younger), it must be approved and signed by the legal guardian of the insured. "Personal signature" means that the insured has read and approved the relevant contents of the insurance policy and made a true offer to the insurance contract, which is the basis for the establishment of the insurance contract. Signing on your behalf will affect the validity of the contract.
Fifth, prepare for a possible physical examination.
Many times, you don't need a medical examination to insure health insurance. Insurance companies usually carry out physical examinations for the insured with high insurance coverage or special health information. For the insured with special physical indicators, the insurance company will make an assessment, which may pass as a normal item, increase the cost or increase the liability exemption, and may limit the underwriting, delay or refuse the insurance.
Sixth, the right to know the hesitation period.
Many insurance products have a hesitation period, which is within 10 days after we receive and sign the policy in writing. If there is no insurance payment, the insured can unconditionally request to terminate the insurance contract, and the insurance company will refund the insurance premium paid by the insured without interest after deducting a certain fee.