What is the underwriting standard of health insurance?

Generally speaking, the underwriting conditions of health insurance are stricter than life insurance. Because disease is the main risk of health insurance, it is necessary to strictly examine the factors leading to disease. Generally, judging by the medical record of the insured, it is necessary to know the past and present medical history of the insured, and sometimes it is necessary to know the family medical history of the insured.

In addition, the occupation, geographical location and lifestyle of the insured should also be evaluated. In terms of underwriting standards, there are generally the following provisions:

(1) Observation period.

Because it is difficult to judge whether the insured has a certain disease only by past medical records, in order to prevent the insured who already has a disease from applying for insurance, it is sometimes necessary to stipulate an observation period or an exemption period in the policy. The observation period is generally half a year. During the observation period, the insured will not bear the medical expenses and income losses caused by the disease, and the policy will take effect after the observation period.

(2) The second fitness policy.

For the insured who can't meet the health requirements stipulated in the standard terms, it is generally underwritten according to the second fitness policy. At this time, there are two possible ways: one is to increase the premium, and the other is to redefine the scope of protection, such as excluding a certain disease or insurance liability as a comment before underwriting.

(3) Special disease insurance policy.

For the special diseases of the insured, the insurer has formulated special clauses to cover the designated special diseases.

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