What is needed is that health information will be relatively loose.
Health notification is a health questionnaire that must be filled out before buying insurance. Whether you fill in the health notice truthfully or not is related to whether your insurance is effective. Different insurance companies have different requirements for health status, and the content of the inquiry is also different.
If it is not filled in according to the actual situation, when the situation is not serious, you can apply to the insurance company for supplementary underwriting, and the protection can still continue to take effect.
If your health problem is too serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract, and some insurance companies may regard you as surrender and return some cash value to you. But they also have the right not to refund a penny.
At present, domestic health notification can be answered according to these three points: what to ask and what to answer; Don't ask or answer; Think carefully before you answer. If you have some minor problems in your body, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, it will be more accurate and flexible to switch to manual underwriting. If manual underwriting fails, switch to other products. For products that don't have such high health requirements, I have collected and screened some insurance products that are enough, and there are not so many health requirements to collect:
skill
1, you don't need a physical examination before you apply for insurance, you just need to answer what you know truthfully.
2. Friends with misdiagnosis experience must inform the insurance company, which will affect your insurance content.