Health notification is the first step of our insurance, which is related to our later claims and should be done seriously. Since the subject asked, let's tell you about it.
Health notification is a health questionnaire that must be filled out before buying insurance. Health notification directly affects whether you can buy insurance and whether the content of protection is effective. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth when you apply for insurance, if the situation is not serious, you can discuss with the insurance company to supplement the underwriting, and the insurance can still continue to take effect.
If too much information is not truthfully told, according to the provisions of the Insurance Law, the insurance company can refuse to settle claims and terminate the contract.
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 physical problems, you'd better finish reading this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, a complete guide to disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When the intelligent underwriting fails, the product can be directly replaced or manually underwritten, which is more accurate and can give more detailed conclusions to complex problems. If you fail the manual underwriting, you will have to switch to other products and replace them with products with less high health requirements. These are some insurance products with less strict health control, which need to be collected:
point out
1. It is not recommended to have a physical examination before buying insurance. You just have to answer truthfully what you know.
If you are misdiagnosed, remember to tell the insurance company. Otherwise, it will affect your subsequent claim settlement work.