Health notification means that the insured needs to provide the insurance company with the declaration information of their health status when purchasing insurance. Concealing important health information may affect the effectiveness of insurance contracts. Under normal circumstances, if the insured intentionally conceals or misrepresents important health information in the health notification, the insurance company may have the right to refuse to claim compensation and declare the insurance contract invalid. But this is uncertain. Adhering to the principle of utmost good faith, handle it according to the situation.
The validity of insurance contracts and the handling methods of insurance companies will be different according to specific national laws and insurance clauses. Therefore, before buying insurance, the insured should truthfully inform their health status to ensure their rights and interests. If in doubt, it is recommended to consult a professional insurance consultant or insurance company.
Issues raised by health information conference
Health notification can be divided into non-health problem notification and health problem notification.
Non-health problems include: occupation, high-risk hobbies, whether to go to war-torn countries, tobacco and alcohol hobbies, whether to be a practitioner of high-risk occupations, whether to engage in or plan to engage in dangerous sports, and whether to plan to live in high-altitude areas such as mountains and plateaus.
The notification of health problems includes: disability, past medical history, height, weight or body mass index, insurance experience (including fee increase, extension, exclusion, refusal of insurance, claim settlement experience), others: female notification, abnormal health of family members, children notification, etc.
By asking about the specific situation, you can judge your physical condition and draw the conclusion of underwriting.