Health notification is mainly a questionnaire used by insurance companies to understand the health status of the insured. This is related to whether your protection is effective, whether the insurance can make claims normally, and so on. Different insurance companies have different health requirements and ask different questions.
If you don't fill in the information truthfully when you apply for insurance, and the situation is not too serious, you can apply to the insurance company for supplementary underwriting, so you don't have to rush to surrender, so the insurance can still be used normally.
However, once the circumstances are serious, according to the provisions of the Insurance Law, the insurance company can exercise the right to terminate the contract without refunding your premium.
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 physical problems, you can read this article to buy insurance: 9 categories, 39 kinds of physical abnormalities, and the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, you can try manual underwriting, because manual underwriting is more accurate and flexible. When the manual audit failed, we had to replace it with products with less demanding health requirements. Here are some products that are not so demanding on health, and you can collect them if necessary:
Skills of love
1, it is recommended that you do not have a physical examination before buying insurance. You just have to answer truthfully what you know.
If you are misdiagnosed, remember to tell the insurance company. Otherwise, it will affect your subsequent claim settlement work.