In order to help friends fully understand the content of "health notification", the next sister will share it with you!
1. What is a health notice?
The meaning of health notification is that when consumers start to apply for insurance, the insurance company explicitly requires consumers to fill in the statement about health truthfully. Consumers answer the insurance company's basis and make decisions on normal underwriting, increased underwriting, deferred underwriting and refusal underwriting.
The reason for setting up health notification is to prevent some consumers from choosing insurance when they are sick and hiding the truth when they actually know that they have some physical problems.
However, health advice is not as terrible as everyone thinks. When filling out the health notice, we can start with the principle of "answer whatever you ask, don't ask, don't tell".
For example, an insurance health notice asks: Does the insured have cirrhosis?
On this question, are you a carrier of hepatitis B virus, a small third world or a big third world? As long as it doesn't reach the level of cirrhosis, say: no!
In addition, we should pay attention to the time range of inquiry, such as: Did the insured have any abnormal health examination in the past 1 year, or did he take medicine for more than 1 month?
Assuming that the friends happen to have relevant medical history during this period, they must answer according to the actual situation. However, if the examination is abnormal 1 year ago, or if you take medicine within this half month, you can not answer.
For some specific details about health notice, you can also look at this related article:
What are the tips for health notification when applying for insurance? 》
Second, the impact of health notification?
If the insured fails to meet the health standards at the time of insurance and conceals something, the insurance company can refuse to pay even if the insurance is out of danger in the future. Therefore, health notification is particularly important for the insured, which will determine whether we can get compensation smoothly.
Senior three students should also remind everyone here that if there is falsehood in health notification, they have not followed the principle of utmost good faith in health notification. In light cases, there is no compensation after the accident, but the premium can be refunded in full, and even the premium can't be recovered, so don't underestimate it.
If you don't tell the truth, if the circumstances are minor, you can also declare it in the insurance company and then supplement it. Many times, protection is still effective.
Third, how to buy critical illness insurance?
From adults to children, as long as they are healthy, they are more suitable to choose critical illness insurance. But if they are old, once they are old, they may be in poor health and may not be able to buy critical illness insurance through health notification.
In addition, we all know that the basic attribute of critical illness insurance is payment insurance, and the premium paid is unnecessary, so the amount of critical illness insurance we buy is also skillful.
Different groups of people also have different needs for insurance protection. If the insurance coverage is very low, it is not enough to make up for all the income losses during illness. However, if the insurance coverage is too high, the required premium is relatively high, which may bring some pressure.
Some of them also have excellent critical illness insurance, and can also provide consumers with rich payment terms, which not only support sexual intercourse, but also can choose a variety of annual payment terms, so that consumers can choose according to their own needs.
Furthermore, it is best to give priority to products that provide multiple compensation guarantees for high-incidence and serious diseases, just like multiple compensation guarantees for cancer. After all, even if cancer is treated for the first time, it will be discharged after recovery. But within 3-5 years after treatment, they are afraid of recurrence, metastasis and new occurrence. Therefore, multiple compensation for cancer is very important.
If you feel that it is not convenient to find suitable products according to such standards, you can also refer to the list compiled by Senior Sister here, which are all critical illness insurance products with good reputation at present:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Fourth, the precautions for critical illness insurance!
In addition to focusing on the content of health notification, when choosing critical illness insurance, we also need to pay attention to many aspects of the insurance product itself. It is also critical illness insurance, some products can provide green services for critical illness, and some provide exemption protection.
In addition, during the purchase of critical illness insurance, take a good look at whether the coverage is rich, such as whether to provide serious/moderate/light illness protection. There are many serious illness insurance products in the market, only for weight, mild illness protection, and middle illness insurance. Compared with serious diseases, the threshold of claims for China's disease is lower, so if there is protection for China's disease, the probability of claims can be greatly improved.
It can be seen that although it seems easy to buy insurance, it involves a wide range of knowledge. Everyone needs to proceed from their own actual situation in order to buy suitable insurance products.
5. Where can I buy critical illness insurance?
At present, there are two main channels for purchasing critical illness insurance, online and offline.
Online purchase channel:
The insurance company official website, its own app or some third-party insurance malls can purchase insurance; Or call the insurance company's hotline to buy insurance.
In terms of offline channels:
If the insurance company has set up an offline store in its own city, you can also go to the offline store of the insurance company to buy insurance. If you buy this way, you can discuss it face to face with the insurance salesman, which is also convenient for everyone to understand and configure.
So is there a difference between online and offline channels to buy insurance? Is online channel insurance reliable? Friends who have such doubts can click on the link below, and Senior Sister will give you a detailed answer!
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
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