Health notification is an insurance company's inquiry about the health status of insurance customers and an important part of insurance contracts. Whether an insurance can be used normally and whether it can be settled normally is all related to this. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth when you apply for insurance, you can apply to the insurance company for supplementary underwriting if the situation is not particularly serious, and the guarantee will remain valid.
If your health condition is too serious, according to the provisions of the Insurance Law, the insurance company can exercise the right to terminate the contract without returning your premium.
When buying insurance in China to fill in the health notice, you can basically fill in according to this "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you are a friend with some minor health problems, I suggest you read this article before buying insurance: "Five Steps to Teach You to Insure for Illness".
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
Suppose you fail the intelligent underwriting, you can directly change the product or try manual underwriting, because the auditing standard of manual underwriting will be more accurate and flexible. If the manual underwriting fails, you have to switch to other insurance products. The following are some products that are not so demanding on health, which need to be collected: ten major critical illness insurance with loose health advice!
Special reminder:
1, don't go to the hospital for physical examination before you want to buy insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, you must tell the insurance company, because misdiagnosis will also have outpatient or hospitalization records, which may affect the later claims.
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