Health notification is a health questionnaire that must be filled out before buying insurance.
Whether an insurance can be used normally and whether it can be settled normally is all related to this. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth, you don't have to rush to surrender if the circumstances are not serious. You can apply to the insurance company for supplementary underwriting, so the insurance can still be used.
If you don't tell your physical condition truthfully, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract, and some insurance companies may treat you as surrender and give you some cash value; But they also have the right not to refund a penny.
At present, domestic health notification can be answered according to these three points: what to ask and what to answer; Don't ask or answer; Think carefully before you answer.
Friends with more or less minor health problems, I suggest you read this article carefully before buying insurance: "How to insure against diseases? Five simple steps "
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
Assuming that the intelligent underwriting fails, you can directly change products or try manual underwriting, because manual underwriting is more accurate and flexible.
When manual underwriting fails, we can only choose to buy products that are not so demanding on health. I have collected and screened some insurance products that are worth buying and do not have so many health requirements. If necessary, I can collect them: "The health notification of these products is not a problem."
Un conseil d'ami
1, don't go to the hospital for physical examination before buying insurance, you just need to answer what you know truthfully.
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.
Write it at the end
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