There is no health notice when buying insurance, and it is easy to cause claims disputes in the later stage. Suggested supplementary notice.
Health notification is a questionnaire for insurance companies to obtain the health status of the insured, and it is an important part of insurance. The insurance company will only let you buy it if you pass the health notice. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth and the circumstances are not serious, you can choose to apply to the insurance company for supplementary underwriting, so the protection is still effective.
If too much information is not truthfully told, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract without returning the premium.
When buying insurance and filling out health information in Chinese mainland, you should abide by the "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you are a friend with some minor physical problems, I suggest you read this article before buying insurance: 9 categories, 39 kinds of physical abnormalities, disease insurance raiders!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When intelligent underwriting fails, you can choose a manual underwriting, because the auditing standard of manual underwriting will be more accurate and flexible. If the manual underwriting fails, only one insurance product can be changed, and some products with less strict health requirements can be changed. I sorted out the products with loose hygiene requirements and high prices, and I can collect them if necessary:
Special tips
1, it is best not to go to the hospital for physical examination before 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.