In 2009, I bought China Life Insurance, and I was not told that I had a history of asthma. What should I do?

Brother Bao said insurance, focusing on insurance evaluation! The contents and tips that should be paid attention to when filling out the health notification form are all here, and you need to do it yourself:

It is suggested to add that the insurance company will re-insure according to the current situation of the insured. Otherwise, even if the insurance is successful now, it is easy to have claims disputes later. In serious cases, the insurance company has the right to refuse to pay compensation.

Health notification is a health survey conducted by insurance companies on insured customers and an important part of insurance contracts. This is related to whether your protection is effective, whether the insurance can make claims normally, and so on. Different insurance companies have different health requirements and ask different questions.

If it is not filled in according to the actual situation, when the situation is not serious, you can apply to the insurance company for supplementary underwriting, and the protection can still continue to take effect.

However, if the concealment is serious, according to the provisions of the Insurance Law, the insurance company may terminate the contract and refuse to pay compensation.

When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have physical problems, you can read this article to buy insurance: 9 categories, 39 kinds of physical abnormalities, and 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, because manual underwriting is more accurate and flexible. When the manual audit fails, we have to replace it with products that are not so demanding on health. These are some insurance products that are not so strictly controlled on health status and need to be collected:

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1, it is recommended that you do not have a physical examination before taking out insurance. You just have to answer truthfully what you know.

2. Friends who have experience in misdiagnosis should remember to tell the insurance company, because misdiagnosis is also recorded by the hospital, and not saying it may be considered as concealing health problems.