Why do you have to fill in so many health questionnaires for insurance, and some of them involve families?

Generally speaking, most of the questions in the insurance health questionnaire involve two aspects: from the medical point of view, one is the past medical history, that is, the diseases that I have suffered; The second is family history, that is to say, diseases suffered by parents or relatives that have an impact on the future health of the insured.

Insurance notice editor

1. Determine the legal identity of the insurer and avoid being cheated. When someone knocks on the door to visit or sell insurance, you have the right to ask them to show the relevant certificates with the logo of the insurance company or the certificates of the insurance agent.

2. Be familiar with insurance liability, and don't take out insurance blindly. There are many types of insurance in the insurance market at present. For ordinary people, facing a large number of insurance products is like looking at flowers in the fog. Some people even read the insurance clauses several times and don't know what to say. Therefore, before applying for insurance, the salesman must be asked to explain the characteristics and insurance responsibilities of the insurance clauses in detail and fully understand the insurance responsibilities listed in the insurance clauses, especially the exemption clauses.

Different types of insurance have different adaptive objects, insurance responsibilities and protection levels, and their insurance limits, insurance premiums and compensation amounts are also different. Therefore, when you want to apply for insurance, you must know and choose the insurance that suits you best, so as not to feel that it is not suitable for you, and then find a salesman to apply for surrender, which will bring unnecessary trouble and distress. At the same time, you should also have a clear understanding of the exclusionary liability of the purchased insurance and how to claim compensation after an accident, so as to prevent some low-quality marketers from downplaying important issues when introducing the terms and conditions, deliberately exaggerating the insurance liability provisions beneficial to the insured, and ignoring or not saying the relevant special agreements that the insured should pay attention to. In the event of an accident, the claim may be different from the original insurance, or the refusal to pay compensation will be excluded, leading to misunderstanding and even unnecessary insurance disputes.

3, fulfill the obligation to tell the truth, so as not to eat bitter fruit. The insurance contract shall be based on the honesty and credit of both parties, and the applicant or the insured shall truthfully fill in the relevant matters of the insurance application and truthfully inform the inquiry of the insurance company.