Health notification is an insurance company's investigation of the insured's physical condition and health status. Insurance companies will have certain requirements for the health status of the insured when insuring critical illness insurance, medical insurance, life insurance and other types of insurance. The normal use and claim settlement of insurance are closely related to health notification. Different insurance companies have different requirements for health notification, and the contents and methods of inquiry are also slightly different. Therefore, when choosing insurance, we must pay attention to health instructions. If it does not meet the contents of the health notification, it will be difficult to buy the appropriate insurance, and even if it is bought, it will be excluded, increased or postponed.
Follow the principle of "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. Make sure the answer is true before you answer. In addition, tell the truth, and don't take insurance against illness with luck. Combined with the cases of claims disputes of insurance companies, most of them are caused by poor health notification.
What if the health notification fails?
If the health notification fails, you can consider some other insurance companies or other products. Different insurance companies and products have different health advice. Some minor diseases such as lobular hyperplasia may be covered by the standard, and major diseases may be excluded, increased or rejected. The relatively safe way is to ask relevant professionals for help, choose more and compare different insurances, and successfully insure on the basis of meeting your own needs.
Health advice cannot but remind us that the younger we are, the more we need to buy insurance. When I was young, I had less medical history and good health. You can choose more insurance products, the subject matter is easier to underwrite and the premium is cheaper.
Suggestions on health notification
① Don't go to the physical examination in advance before insurance. Health notification requires us to answer health notification questions truthfully and accurately. There was nothing in the physical examination before insurance. It is agreed that once the exam is finished, there is the possibility of making an exception, increasing the price, delaying or even refusing insurance.
If you are misdiagnosed, you must remember to inform the insurance company. Otherwise, it is easy to have claims disputes in the future.
I hope my answer is helpful to you.