Most accident insurance does not need to inform health, but it is closely related to occupational categories.
Health notification is a questionnaire for insurance companies to obtain the health status of the insured, and it is an important part of insurance. This is directly related to whether the insurance can be settled normally. Different insurance companies have different requirements for health status, and the content of inquiry is also different.
If you hide something from your health information, you can not surrender your insurance if the situation is not serious. You can apply to the insurance company for supplementary underwriting, so the protection can still be effective.
Assuming that your failure to fill in the form truthfully is serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract without returning the premium, and some insurance companies may return you a little cash value in a friendly way.
When filling out the health notice, you can write it according to these three points: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have some minor physical problems, you'd better finish reading this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, a complete guide to disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If you fail to pass the intelligent underwriting, you can choose to replace the product directly or carry out manual underwriting. This is because manual underwriting will be more accurate and flexible, and manual underwriting will not pass, so you have to switch to other insurance products. I collected and screened some insurance products with sufficient value but not so many health requirements, which need to be collected:
pay attention to
1, don't go to the hospital for physical examination before you want to buy insurance. You just have to answer truthfully what you know.
2. Friends who have been misdiagnosed should pay attention. Misdiagnosis is also recorded by the hospital, so be sure to tell the insurance company.