The applicant shall truthfully inform the health status, occupation category and other facts related to health notification, in which health notification is the first step of insurance.
Health notification is an insurance company's health survey of customers, including past diseases, personal living habits, smoking and drinking. This is a very important content in the insurance contract. Health notification directly affects whether you can buy insurance and whether the content of protection is effective. Different insurance companies have different health requirements and ask different questions.
If you don't fill in the insurance truthfully, when the circumstances are not serious, you can discuss with the insurance company to supplement your health, and the main insurance can continue to be valid.
If too much information is not truthfully told, according to the provisions of the Insurance Law, the insurance company has the right to refuse to settle claims and terminate the contract.
When buying insurance and filling out health information in Chinese mainland, you should abide by the "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. For those friends who have some minor physical problems, read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance raiders!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When intelligent underwriting fails, you can choose manual underwriting once, because manual underwriting will be more accurate. If the manual underwriting fails, you can only change to another product. The following are some products with low health requirements, which can be collected when necessary:
Skills of love
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. If you have been misdiagnosed before, you must tell the insurance company in time, because misdiagnosis will also have outpatient or hospitalization records, which may affect the later claims settlement work.