1. What is a "health notice"?
When applying for insurance, the insurance company will ask the insured to fill out a health questionnaire, which is an explanation of the health status of the insured. Health notification is an integral part of insurance contract and an important basis for claim settlement.
Second, the significance of the existence of health notification
Health notification can be said to be a threshold of insurance. Many people think that insurance can be bought with money, of course not. For people who are in poor health, insurance companies bear great risks. "Health notification" means that insurance companies try their best to avoid risks.
If the insurance company does not set up health notification and must enable itself to operate or survive, then the insurance company may charge high insurance premiums to each policyholder. Then for relatively healthy people, you only need to pay a small amount of insurance to enjoy the corresponding protection. In this way, we have to pay a high insurance premium, which is actually unfair to everyone. This is the meaning of the existence of health notification.
Third, the three major misunderstandings of health notification
Myth 1: I'm afraid I won't accompany you, so I choose to tell you all at once.
Many people are worried that the insurance company will not accompany them when they apply for insurance, so they are very cautious and will tell the insurance company all their previous "medical history".
Small to cold, fever, broken needles should be informed in detail to the insurance company. Some policyholders also inform the insurance company about the physical symptoms that have not been diagnosed but are only guessed by themselves.
Is this really good? Actually, not necessarily. A large amount of information not only increases the workload of underwriting staff of insurance companies, but also affects their underwriting results because of some misjudgments.
Myth 2: Carelessness is not taken seriously.
There are also some insured people who think that this is just a formality when making health notification, and they don't care at all. I think there is nothing wrong with my health. After a quick glance, you can easily apply for insurance.
Later, I found out that I might have some minor problems. Although my health condition is not serious, it has a certain impact on the underwriting results.
Myth 3: Ask someone to fill out the health notice.
Many people think that as long as there is no hospitalization record, they can fill out all the health notification forms. Some people even feel comfortable telling others about their health.
The serious consequence of this is that it will affect the subsequent claims. We buy insurance to transfer risks when necessary, so we must take it seriously.
Fourth, how to do health notification?
0 1. Buy insurance offline
Buying insurance offline is generally bought through insurance sales. The insurance company will ask you to fill out a health questionnaire, usually a paper document, and then sign it. What we have to do is tell you the truth about our health.
If the user does not meet the contents of the health notice, he can supplement it through the explanation column, such as explaining his health status. It is up to the insurer of the insurance company to decide whether or not it can be underwritten in the end, or in what way.
For the questions asked in the health questionnaire, we only need to answer what we ask. If the health condition is abnormal, it is necessary to inform the insurance company truthfully, and the insurance company will have underwriting personnel to review it.
02. Buy insurance online
With the development of the Internet, Internet insurance has also emerged quietly and rapidly. Most young people will choose to buy insurance online. Compared with offline insurance, online insurance is much more convenient. You don't have to fill out the form or sign it. One click. So how do you inform health about online insurance?
Buying insurance online should also follow the principle of telling the truth, answer whatever you ask, and don't ask or tell others.
Even if other things are abnormal, as long as the health notice is not asked, there is no need to say it.
In addition, many critical illness insurance will ask about family history when telling health status. If the immediate family members suffer from certain diseases, it may affect the underwriting results. You can choose insurance that doesn't ask about family history when you apply for insurance.
It is worth noting that parents who are sick or not very clear about their physical condition should be carefully insured!
Five underwriting results
After the health notification is completed, the insurance company will extract five underwriting results according to the questions you answered to determine your insurance status.
Standard body passed: it is the best underwriting result and is underwritten according to standard premium.
Deferred underwriting: Insure according to the standard premium, but the insurance liability will not start until half a year or one year after the policy.
Disclaimer: Limited coverage, underwriting according to standard premium. For example, if you have mild kidney disease now, the diseases caused by kidney disease are not covered.
Insurance coverage: additional insurance coverage. For example, the normal body is insured for 5,000 yuan, and the premium goes to 500 yuan.
Refusal of insurance: the worst result, refusal of insurance.
Why should health information be truthfully told?
It is ok for healthy friends to insure online or offline, but for some friends with abnormal health, can they hide their physical condition and not tell the truth?
The answer is no, many people will deliberately hide their physical illness, which is definitely unacceptable. According to the insurance law, the insured has the obligation to tell the truth when insuring. If the insured fails to tell the truth intentionally or due to gross negligence, the insurance company has the right to terminate the labor contract.
However, the termination of labor contract by insurance contract is only applicable within 2 years. After more than 2 years, the insurance company cannot terminate the contract. So, all you have to do is hide for more than two years and everything will be fine? Of course not! Many people hold the idea that the insurance company can't unilaterally terminate the contract after two years, so they don't tell the truth and think that it will be all right after two years.
However, there is another provision in the Insurance Law, that is, if the insured fails to perform the obligation of telling the truth in bad faith, the insurance company will not be liable for compensation and settlement of claims, nor will it refund the premium. If the obligation to tell the truth is not fulfilled due to gross negligence, the premium will be refunded, but the insurance company will not settle the claim.
As you should know, just because an insurance company makes a claim doesn't mean that you make a claim when you report it. Insurance companies must conduct strict investigation and evidence collection. So, don't hide health information, we just need to tell it truthfully.
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Health advice doesn't need to be explained in every detail, and don't deliberately hide what the insurance company asks. We just need the insurance company to answer any questions it has. If the health notification is not truthfully informed, it will affect the follow-up claims! Therefore, everyone must pay attention to health notification. I hope the article is useful to you.