If the insured tells the truth and the insurance company underwrites it, then the insurance company will compensate. If the insurance refuses to pay compensation, there are two possibilities: first, the insurance company has evidence to prove that the insurer did not tell the truth; Second, the terms of the contract stipulate that death within two years will not be compensated.
Health notification is a questionnaire for insurance companies to obtain the health status of the insured, and it is an important part of insurance. Insurance can only be insured through health notification, and you can't buy it if you don't fill it in. Different insurance companies have different requirements for health status, and the contents of the inquiry are also different.
If you don't tell the truth and the circumstances are not serious, you can choose to apply to the insurance company for supplementary underwriting, so the protection is still effective.
If the situation is serious, according to the provisions of the Insurance Law, the insurance company can terminate the contract and refuse to pay the claim.
When buying insurance in China to fill in the health notice, you can basically fill in according to this "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have some minor problems in your body, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, you can try manual underwriting. This is because manual underwriting will be more accurate and flexible. If the manual underwriting fails, only one insurance product can be changed, and some products with less strict health requirements can be changed. The following are some insurance products that are not strictly controlled by health problems and need to be collected:
Special reminder:
1, you don't need a physical examination before you apply for insurance, you just need to answer what you know truthfully.
2. Friends with misdiagnosis experience must inform the insurance company, which will affect your insurance content.