If consumers buy insurance products through online channels, generally speaking, failure to meet the health notification means that they cannot buy this insurance product. However, with the continuous improvement and progress of Internet insurance technology, more and more insurance products support online intelligent underwriting on some large Internet insurance platforms such as China Insurance Network, and the conditions are relatively relaxed.
For example, Allianz cherishes Million Medical Care, Ping An E Life Insurance, Fosun United Recreation Life Critical Illness Insurance, Hongkang Doraemon Insurance Critical Illness Insurance and other products. When the insured's situation does not meet the health notification, some specific situations can be informed through intelligent underwriting, thus obtaining underwriting opportunities.
Health notice attention
Generally speaking, after telling the truth, the insurance company will give these five results: subject matter, extension, exclusion, fee increase and refusal to pay compensation.
Except for the coverage of the insured, any item will cause problems when we buy insurance in the future, because many health notifications of critical illness insurance are "whether it will be postponed, excluded, added or rejected within a certain period of time", so we must see clearly whether our illness can pass the health notification.