Health notification of children's medical insurance

Accident insurance does not involve physical examination, and there are two situations in critical illness insurance and medical insurance that require physical examination:

1. does not meet the health notification. Health notification is a process in which health insurance inquires about the health status of the insured before sale. If the child was hospitalized before 1-2 years ago, or has any previous diseases listed in the health notice, he must apply for a physical examination, and the insurance company can only buy it after confirming that it can still be covered.

2. The amount of insurance purchased is too high. Generally, more than 500,000 yuan needs a physical examination, and some products cost 6,543,800 yuan. The insurance company is worried that the risk is uncontrollable.

One more thing, if the health condition does not match, don't apply for a medical examination easily, so as not to be included in the insurance abnormal list by the insurance company, and it will be a bit troublesome to buy insurance again. You'd better ask internally first, and don't leave a record.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.