Health notification is an important basis for insurance companies to decide whether to underwrite and claim compensation, so we must tell them truthfully, otherwise it may cause hidden dangers to subsequent claims, and even be rejected by insurance companies. If the health notification is inquired, it is suggested to supplement the notification without telling the truth, so as to avoid the trouble of subsequent claims.
Health notification is an insurance company's investigation on the health status of the insured, and all insurances must be filled in. 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 conceal 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.
If the situation is serious, according to the provisions of the Insurance Law, the insurance company may refuse to settle claims and terminate the contract.
When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: 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 the intelligent underwriting fails, you can go to the manual audit again, which will be more detailed and accurate. When manual underwriting fails, you can only choose to buy products with low health requirements. I have sorted out all the products with loose hygiene requirements and high prices, and need to collect them:
point out
1, it is best not to have a physical examination before buying insurance. You just have to answer truthfully what you know.
If you are misdiagnosed, you must tell the insurance company, which may affect your claim.