Non-standard body refers to a person whose one or more health conditions do not meet the requirements of life table, so the underwriting risk is high. The insurance company will not attach any conditions to the standard body insurance, and will underwrite according to the standard insurance rate.
Non-standard insurance policy means that the insured fails to meet the insurance standard for some reason, and the insurer signs a contract by increasing the premium or directly refuses to insure. For example, people who are too old (generally over 50 years old), have substandard health, suffer from certain diseases, or engage in high-risk occupations are all non-standard insurance policies. Insurance companies can take different measures according to their own actual judgment, and can increase insurance fees or refuse insurance or extend insurance observation.