Article 16 of the Insurance Law stipulates that when an insurance contract is concluded, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him. If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract.
Therefore, the core of health notification is the "principle of utmost honesty", which truthfully explains one's health status and does not conceal it. Health notification is an integral part of insurance contract and an important basis for claim settlement. Therefore, it is necessary to fill in the health notice carefully to avoid difficulties in subsequent claims.
Main principles of health information and common minefields
(1) All the requirements in the health notification should be met, not some of them, that is, all the requirements in the health notification should be met in order to purchase an insurance smoothly. If 1% is not satisfied, tell the insurance company which one is not satisfied, and you may need to provide some medical materials to the insurance company for underwriting, such as medical records and other materials. Here is a reminder, you must keep your medical records after seeing a doctor, because you may need them when configuring insurance one day.
(2) Ask first, then answer, don't ask, don't answer. Look carefully at Article 16 of the Insurance Law. The law only says that when an insurance company makes an inquiry, the applicant should tell it truthfully, but does not say: if there is no inquiry, it should tell it truthfully. In other words, I don't have to tell the insurance company what the insurance company didn't ask.
For example, there is a question in the health notification questionnaire of a product:
Has the insured had any of the following discomfort symptoms in the past 2 years? Unexplained headache or dizziness, fever or cough lasting for more than 1 month, dizziness, chest pain, asthma, hemoptysis, bloody stool, abdominal pain, anemia, purpura, swollen lymph nodes, unexplained emaciation (losing more than 2kg within 3 months)?
It can be seen that the insurance company only asks "in the last 2 years", so I just need to answer whether there are these symptoms within 2 years. Even if I had an unexplained headache or dizziness five years ago, I don't need to tell the insurance company. This is the so-called "ask first and then answer, don't ask and don't answer".