Do I need to do health underwriting to buy insurance?

First of all, to answer the subject's question, not all insurance products need to go through health notification and underwriting when they are insured. For example, accident insurance usually does not involve health notification. As long as the insured's age, occupation and other insurance requirements are met, it can be insured normally. If you want to know more about accident insurance, you can read this article: Do you want to buy accident insurance, how to buy it, what kinds are there, and make a comprehensive analysis and comparative evaluation.

Insurance with high health requirements for the insured, such as critical illness insurance and medical insurance, usually has a health notification link. Health notification is just a description of our health when we are insured. According to our health advice, the insurance company will make decisions such as normal underwriting, increased underwriting, extension underwriting and refusal underwriting.

In fact, the health notification is not deliberately designed by the insurance company to make things difficult for us, because no health notification means that there is no insurance threshold, so if everyone is insured with illness, the insurance company is likely to lose money.

If we have some physical conditions, we can compare different products and choose the one with looser health information for insurance. In addition, in the health notification link, we must follow the principle of utmost good faith and tell the truth, otherwise the insurance company may refuse to pay compensation in the future! Remember to take a look at this health notification tip: What health notification tips are there when you apply for insurance?

Finally, if we fail to pass the health notification, we can also fight for it through underwriting. Generally speaking, there are two ways of underwriting: manual underwriting and intelligent underwriting. Senior sister recommends that you choose smart underwriting, because smart underwriting generally only needs us to fill out the corresponding questionnaire online and answer a few questions preset by the insurance company, so we can get the underwriting results quickly, which is very convenient and fast. In addition, even if we fail to pass the intelligent underwriting, we will not leave any records, which will affect our insurance for other products.

Friends who want to know the difference between manual underwriting and intelligent underwriting may wish to take a look at this article: What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!

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