What are the tips for health notification when applying for insurance? 》
Since you need to ask about your health, many people think that you should have a physical examination before buying insurance, no!
1. Do I need a medical examination to buy insurance?
You don't have to take the initiative to have a physical examination before you apply for insurance, just tell the truth. If you have any health problems, the insurance company will ask you to submit a medical report. Mainland insurance is basically based on the principle of "limited notification". In short, it is to answer whatever you ask, and there is no need to tell useless illness.
Without a physical examination, you don't know the minor problems that may occur in your body, and the hospital has no records and needless to say; However, the latest medical report must prevail after the medical examination, and some minor illnesses may affect the underwriting.
Second, the insurance company will ask for a medical examination in the following circumstances?
1. The insured has no disease in the past, but his health condition is not up to standard: for example, he is obviously overweight or addicted to alcohol and tobacco.
2. Past medical history: The insured has a certain disease or hospitalization history, and the insurance company will check it through physical examination.
3. The insured amount exceeds the medical insurance amount of the product: At present, most insurances on the market have the highest medical insurance amount, and as long as it exceeds this amount, it will be required to undergo a medical examination.
4. Spot check of insurance companies: Some insurance companies will regularly take some insured persons for physical examination, which is completely random.
Third, which types of insurance are more relaxed in health notification?
Generally speaking, the strictness of health notification is: medical insurance >; Critical illness insurance > life insurance > accident insurance. Among them, the health notification of medical insurance is the most stringent, and most medical insurance on the market is a one-year product. Therefore, when choosing medical insurance, it depends on whether the renewal conditions are excellent, and it is best to guarantee renewal, or to renew medical insurance that does not need to be audited, such as these: "Ten excellent renewal conditions for millions of medical insurance! 》
Critical illness insurance underwriting is also relatively strict, to be young and healthy for a long time. If you have a minor illness, you can take a look at these loose critical illness insurance: "Top Ten Health Advice Loose Critical Illness Insurance Inventory! 》
The underwriting of life insurance is much looser than medical insurance and critical illness insurance, but the older you get, the more expensive it is to buy life insurance, so it is also recommended to give adults a term life insurance as soon as possible.
Accident insurance generally does not require health notification, and it can be purchased with confidence for the elderly with some minor physical problems!
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