1. What do you mean you don't need health information?
When consumers apply for insurance, especially medical insurance or critical illness insurance, there will be situations that need to be informed in advance, which is called "health notification". So, what does health notification mean? Actually, the answer is simple. Generally speaking, it is the insurance company that makes a correct evaluation of the past medical records of the insured. You don't need health information, that is, you don't need to assess your physical condition to buy insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, which insurances do not require health notification?
I know what it means not to be told by health. People who are worried about their health can buy insurance products that don't need health notification. So which insurance products do not need health notification?
1. Social insurance: As the name implies, social insurance refers to insurance with the nature of social security, which is also one of the national welfare, and is open to all workers. Therefore, even if you are sick, you can be insured normally.
2. Accident insurance: Generally speaking, the insurance liability of accident insurance does not include disease liability. Therefore, whether you are sick or not has little effect on the insurance of accident insurance. As long as it is not a high-risk occupation, it can basically be insured normally. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
3. Life insurance: Life insurance can be divided into term life insurance and whole life insurance. In general, a health notice is required. If it is not a life-threatening disease, life insurance will be underwritten normally. What are the good life insurance recommendations? I just sorted out the relevant contents, hoping to help you: the top ten insurance companies selling life insurance in 2020!
4. Critical illness and critical illness insurance: Critical illness and critical illness insurance have strict requirements on health status. If it is sickness insurance, it will generally be underwritten normally, with increased fees, with the exception of liability, postponed or directly refused.
5. Medical insurance: Because medical insurance includes medical treatment for diseases, the examination of physical health is also the most stringent. In general, those who take out insurance in spite of illness may increase the underwriting cost, exclude liability underwriting, postpone underwriting or directly refuse underwriting.
Finally, in addition to insurance products that do not need to be informed of health status, there are also a few products that require the insured to be healthy in insurance information. Everyone should pay attention to this. If the health notification is false and risky, it belongs to consumer deception, and consumers may be sued by the insurance company to the court, so the insured must tell the truth when submitting the health notification.