1. What are the health instructions?
Health notification refers to that when an insurance company accepts a customer's application for insurance, it requires him to fill out a health notification form, that is, a statement about the health status of the insured. According to the health status of customers, insurance companies classify and screen the expected mortality rate, disability rate and incidence rate of insurance accidents, and then decide whether to underwrite and the underwriting conditions, that is, focus on the influence of physical condition on the future.
The questions in the health questionnaire mainly include two aspects: on the one hand, the past medical history of the insured, that is, the client's condition, treatment and current situation; On the other hand, it is the family history of the insured, that is, whether there are family hereditary diseases in the parents or immediate family members of the client.
Second, why do you need to fill out a health notification form?
Why do you need to buy health insurance? In order to transfer the medical expenses of serious illness and prevent the family economy from "returning to poverty due to illness" ... whatever the reason, it is to transfer risks. When accepting the risk transfer, the insurance company also needs underwriting, carries out risk assessment on the insured, and judges whether the insured is insured in spite of illness and whether the family history will affect the future health status of the insured.
The insured knows his own health best, and the insurance company decides whether to underwrite, how to underwrite and determine the rate through the health notification of the insured. If the insured is dishonest and fraudulent when filling out the health notification form, it will inevitably lead to a large number of insurance accidents. Insurance companies are profitable in any case, not charities, and ultimately harm the interests of all consumers and insurance companies.
Three. Suggestions for filling in the health notice:
1. With the development of science and technology, health insurance can now be insured online. Whether online or offline, you need to fill out a health questionnaire when you apply for insurance. Be sure to read each notice carefully, and then check "Yes" or "No" according to the actual situation.
If you don't know about the diseases listed in the health instructions, please consult a professional. Don't check "Yes" if you don't have any diseases. You are deceiving yourself.
3. Health notification is also a part of insurance contract, which is the most honest contract. The parties need to inform the other party of all important facts about insurance completely and accurately, and there is no falsehood, deception or concealment. There are many forms of notification in the principle of utmost good faith. In China, the insured is generally required to fulfill the obligation of informing by asking and answering. What is a question and answer here? Question and answer means that the insured only needs to answer the questions raised by the insurance company truthfully, and the insured does not need to tell other questions.
Therefore, apart from health notification, you have no obligation to inform the insurance company of health problems.
4. If there is a medical examination plan before the insurance, it is recommended to wait until the insurance is successful. The reasons are as follows: ① According to your truthfully informed health condition, if the insurance company sends you a medical examination letter after underwriting, then the medical examination fee will be paid by the insurance company, saving a medical examination fee. If the insurance company does not send you a medical letter after underwriting, at least it proves that your body is still healthy. Why not wait until after the insurance observation period to go to the physical examination, in case something is found before the insurance!
Fourth, the consequences of not telling the truth about the health situation
Article 16 of the Insurance Law stipulates that the insured has the obligation to tell the truth. If the applicant intentionally conceals the facts and fails to fulfill the obligation of telling the truth, the insurance company may terminate the insurance contract, not bear the liability for compensation, or even refuse to refund the premium paid. Anyway, to sum up, you must answer the health information truthfully, answer any questions, and don't answer any questions.