First contact the insurance company to apply for supplementary health notification.
After the insurance contract is signed, a hesitation period will be set to prevent the insured from missing the health status. The duration of the hesitation period is generally set to 10 to 15 days. If you don't inform the insurance company of your previous hospitalization or illness during the hesitation period, you must contact the insurance company to apply for supplementary health notification. If you think that your medical history has exceeded the hesitation period, you also need to inform the insurance company. First of all, you need to call the customer service phone of the insurance company or go directly to the insurance company to explain your purpose, and then handle the supplementary notice according to your actual situation and explain it to the staff. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
If you don't know how to answer the health notice, you can also check all your previous medical records. Professional medical terms will be marked in medical records, which are also the basis for insurance companies to review. Then, the staff will register your supplementary information and forward it to the underwriting department for review.
Two, if necessary, the insurance company shall submit the latest medical report.
Supplementary health notice that has not exceeded the hesitation period, if the insurance company requests a new physical examination during the insurance process, the insured needs to go to the regular hospital for the relevant physical examination immediately, and submit the report to the insurance company after the physical examination. Many indicators in the physical examination report are professional and we may not understand them. Let them hand it over to the insurance company, and they will make the next judgment. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
Three, the insurance company to confirm the validity of the contract.
If, during the hesitation period, the insurance company determines that your physical condition does not meet the insurance eligibility, it will ask for surrender or termination of the contract. At this time, the premium paid before can be refunded without too much loss, and the maximum loss is 10 to 20 yuan. Supplementary health advice beyond the hesitation period will generally lead to the insured's surrender or cash amount. Article 16 of the Insurance Law stipulates that if the insured fails to fulfill the obligation of truthful disclosure agreed in the contract due to intentional or gross negligence, it will directly affect whether the insurer agrees to underwrite or increase the insurance premium rate. At this point, the insurer has the right to terminate the contract. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?
The insured must apply to the insurance company for supplementary health notification when discovering the missing health condition, regardless of whether it has exceeded the hesitation period. If the insurer intentionally fails to fulfill the obligation of informing, the insurer may not be obligated to compensate or pay the insurance premium for any accident that occurs before the termination of the contract, nor will it refund the insurance premium to the applicant. Therefore, when making supplementary health notification, the insured needs to fill in and inform the insurance company truthfully, and don't take it seriously because it is a trivial matter, resulting in health omissions.