Health notification refers to the inquiry and investigation of the insured's physical condition when the insurance company purchases insurance. Whether an insurance is effective or not is closely related to this. Different insurance companies have different health requirements and different problems.
If you don't fill in the insurance truthfully when you buy it, and the circumstances are not serious, you can apply to the insurance company for supplementary health conditions, and the protection can still be effective.
If the situation is more serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract immediately and shall not refund the premium.
When buying insurance and filling out health information in Chinese mainland, you should abide by the "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. Friends with more or less minor physical problems, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance raiders!
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 will be more accurate. If manual underwriting fails, it is necessary to switch to other products. If you switch to products that have less health requirements, I have collected and screened some insurance products that have less health requirements and need to be collected:
Special reminder:
1, it is best not to have a physical examination before buying insurance. You just have to answer truthfully what you know.
2. Friends with misdiagnosis experience must inform the insurance company, which will affect your insurance content.