Health notification is mainly a questionnaire used by insurance companies to understand the health status of the insured. This is related to whether the guarantee is effective and whether the insurance pays. Insurance can only be insured through health notification. Different insurance companies have different requirements for health status, and the contents of the inquiry are also different.
If you conceal your health information, you can not surrender your insurance if the situation is not serious. You can apply to the insurance company for supplementary underwriting, so the protection can still be effective.
Assuming that the situation that you have not filled in truthfully is serious, according to the provisions of the Insurance Law, the insurance company can refuse to settle the claim, terminate the insurance contract and not refund the premium.
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. If you are a friend with some minor physical problems, I suggest you read this article before buying insurance: 9 categories, 39 kinds of physical abnormalities, disease insurance raiders!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If smart underwriting fails, you can manually review it again. Because manual underwriting will be more accurate, when manual underwriting fails, it can only be replaced by products with less strict health requirements. I have collected some products with high cost performance and low health requirements, which need to be collected:
pay attention to
1, don't go to the hospital for physical examination before you want to buy insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, remember to inform the insurance company to avoid problems in later claims.