However, if the health notification is passed, intelligent underwriting will not be carried out, and products can be directly insured.
Health notification, simply put, means that when applying for insurance, the insurance company will ask for a health notification notice. The health notification will ask the insured whether he has XX disease, whether he has been refused insurance, whether he has taken medicine or been treated for a period of time, etc. In order to understand the risks covered.
So, how should we respond to health advice? If you want to know the answer, you can look at the following strategies:
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And if the health notification fails, we can strive for the opportunity of insurance through underwriting.
Intelligent underwriting is a way to further confirm whether the medical history and illness of the insured meet the underwriting requirements of insurance companies. When online insurance is applied, the insurance company will ask the insured the set questions. According to our answer, the system will give the conclusion of underwriting.
In addition to intelligent underwriting, manual underwriting also needs our understanding. If you don't know this, please click the link below for details: What's the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!
Whether it is health notification or underwriting, what we need to know is that we must truthfully inform the questions asked by the insurance company, but we don't need to inform the insurance company about the questions that the insurance company has not asked, that is, we must follow the principle of "answering questions without asking".
If you don't tell the truth, the insurance company has the right not to make claims, which is very prone to claims disputes. In addition to health notification and underwriting, you should pay attention to many details when buying insurance. If you want to know more about how to insure, please take a look at the following insurance introductory guide:
Before buying insurance, you must first understand these key knowledge points!
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