Health notification is a health survey that must be filled out when buying insurance. The insurance company should consider whether to insure you according to your physical condition. This is related to whether your protection is effective, whether the insurance can make claims normally, and so on. Different insurance companies have different health requirements and ask different questions.
If it is not filled in according to the actual situation, when the situation is not serious, you can apply to the insurance company for supplementary underwriting, and the protection can still continue to take effect.
If too much information is not truthfully told, according to the provisions of the Insurance Law, the insurance company can refuse to settle claims and terminate the contract.
When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have health problems, you can read this article about buying insurance: Five Steps to Teach You to Get Insurance Easily.
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If the intelligent underwriting fails, you can choose to replace the product directly or carry out manual underwriting, which will be more detailed and accurate. If the manual audit fails, you have to choose products with less strict health requirements. These are some insurance products that are not strictly controlled by health status. If necessary, they can be collected: ranking of health-informed loose insurance products.
Un conseil d'ami
1, please don't have a physical examination before you are ready to apply for insurance. You just have to answer truthfully what you know.
2. Friends who have been misdiagnosed should pay attention. Misdiagnosis is also recorded by the hospital, so be sure to tell the insurance company.
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