If you have already bought insurance, or are planning to buy it, but you can't understand the health instructions, then you must know this article like the back of your hand.
1. What is a health notice?
Health notification: it is the process of informing the insurance company of the insured's physical health status for risk assessment and finally determining whether it can be underwritten.
When we usually buy critical illness insurance, medical insurance and life insurance, the insurance company will have certain requirements for your health. If we don't give health advice before buying insurance, then even if we get out of danger later, the insurance company won't pay, not only won't pay, but also won't refund the principal we paid. Therefore, health information must be made before insurance.
If you want to know more about the content of health notification, you can read this article: "If you don't tell the truth, can the insurance company not pay for it?" 》
Second, why do you want to do health notification?
The purpose of buying insurance is very clear, that is, to transfer our own risks to the insurance company and let the insurance company bear the risks for us.
If there is no health notification, it means that there is almost no insurance threshold. If everyone is insured against the disease, the insurance company is likely to lose money to bankruptcy, let alone make a profit. Therefore, the allocation of insurance is actually a two-way choice process. We choose the insurance company to underwrite, and the insurance company also needs to choose the appropriate insured for protection.
3. What are the principles of health notification?
1. Only inform the inquired information: At present, most of the insured's health information is limited, which means we need to truthfully answer the questions asked by the insurance company. If we don't ask, we don't need to answer.
2, do not deliberately go to the physical examination: health notification is to inform the disease that has been diagnosed. If it is not diagnosed in the hospital, it is unknown and does not need to be informed. This situation does not belong to concealment.
3. Timely supplementary notification: Supplementary health notification is actually the same concept as pre-insurance health notification, which supplements the situation of forgetting to inform and missing information in pre-insurance health notification.
I hope the answer can help you again and I hope to adopt it. Thank you!