Do I need to inform these health conditions when buying critical illness insurance?

The health notification of critical illness insurance takes the form of limited notification, and no special notification is needed for those who have not asked. For example, the notice asks if you have a family history. You know very well that you have no genetic disease. But your grandfather died of lung cancer because of long-term smoking. Of course, such a situation does not need special attention. If you say so, it may make the insurance company alert to you and affect the signing of the insurance contract.

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If it is something that has been recorded, then be sure to tell it truthfully. If a major illness occurs after signing a contract with an insurance company. However, after investigation, you had symptoms when you signed the contract, but you concealed this situation from the insurance company, so the insurance company can unilaterally terminate the contract with you without compensation.

But in this case, there is also a loophole. If there is no problem in two years. But after more than two years, I found that you were sick and had problems signing the contract. Then the insurance company still has to make compensation according to the contract. Because after two years, the insurance company has no right to unilaterally terminate the contract, which is an indisputable clause.

If you don't know much about insurance, but want to buy insurance, you can consult the third-party insurance consulting platform of Mint Insurance. Mint Insurance will intelligently match sales consultants according to users' needs, and the platform will track and supervise the whole process to ensure quality standardization.