There are generally six reasons for refusing insurance: 1. When the insured amount reaches a certain limit, physical examination is required, and physical health does not meet the insurance standards. 2. I have had a major medical history and treatment history, and my body has never recovered. 3. When insuring some wealth management products, it is necessary to adjust the height of the insured, and the real situation does not meet the insurance requirements. 4. The insured product has a significant claim record. 5. The job you are engaged in at the time of insurance is a high-risk occupation, which does not meet the scope of insurance, and you directly refuse insurance. 6. The age at the time of insurance has exceeded the set life of the product, and the insurance is directly refused.
First of all, insurance is a two-way choice. Customers choose insurance companies, and the same insurance companies will choose customers. Generally, insurance companies will refuse insurance, either because the insured is insured in spite of illness (generally health insurance and medical insurance), or because the insurance company is too old to take risks (generally life insurance), or because of auto insurance, other commercial insurance except compulsory insurance is refused. There is no way to deal with these words. Of course, if the insurance company refuses to pay compensation unreasonably, it can appeal to the local insurance regulatory agency.