What do you mean by health instructions? What can affect our insurance? Next, senior sister will take you to know the so-called critical illness insurance health notice ~
Because there are many words in the following article, which are all professional words, let's first understand what the basic insurance knowledge is, and the following article will be easier for us to understand:
Before buying insurance, you must first understand these key knowledge points! 》
1. What is a health notice? What will happen if you don't tell the truth?
The so-called health notification means that the insured should explain his health status to the insurance company, which is a risk assessment method adopted by the insurance company for the insured's physical condition. For example, the insured suffers from a serious illness for a long time, can not pass the health notice, and is not eligible to buy serious illness insurance.
Health notification consists of healthy part and unhealthy part.
The main content of the health part is to ask the insured's physical health, such as height, weight, disability, past medical history, etc. However, for the unhealthy part, the most important thing is to ask the insured's living habits (whether he smokes or drinks too much) and the industry he is engaged in.
At this time, it is time for someone to ask, what will happen if we are told to be healthy and not told to do so?
Article 16 of China's Insurance Law clearly stipulates:
When an insurance contract is concluded, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.
Even if an insurance contract is signed, the main purpose is to balance the interests of both parties. As honesty is our greatest principle, the insured must truthfully answer the insurer's inquiry about the subject matter insured.
If the insured fails to inform or truthfully inform, it is equivalent to violating the law, so in the case of claim settlement, the insurance company has the right not to compensate.
But at this time, there will be other problems when we apply for insurance, such as: I don't remember whether I have this problem, I didn't understand it correctly when I applied for insurance, I don't remember clearly that I have this abnormal index, and so on. In this case, it may involve the incontestable clause in the insurance law.
The incontestable clause is a newly edited provision of China's Insurance Law after its revision in 2009. Its contents are as follows:
"After the life insurance contract comes into effect to a certain limit (two years), it becomes an indisputable and irrevocable legal document. The insurer can no longer sue for the cancellation right of the insurance contract on the pretext that the insured violates the principle of utmost good faith and fails to fulfill the notice."
Judging from the content of this provision, the two-year non-controversial clause is very beneficial to our consumers. When some problems in the health notice are not reflected in time due to our memory mistakes, there is no direct impact. Within two years, if the insurance company has no objection, as long as it exceeds two years, the insurance company cannot refuse insurance on this ground.
The irrefutable clause, in fact, the most essential consciousness is to protect the rights and interests of consumers, thus limiting the rights of insurers. However, there will definitely be some people with ulterior motives who take out malicious insurance in spite of illness, thus realizing fraudulent insurance.
For the sake of their own interests, insurance companies may further inquire about health notification in the future, or the underwriting process may be stricter. Due to moral hazard, there may be many disputes in claims settlement.
Therefore, this indisputable clause is controversial to a certain extent. Interested friends should go to those professionals so that you can learn more ~
Second, what are the points that need attention in health notification?
After knowing the importance of health notification, what should you pay attention to when you need to face health notification in the future? Let's read together ~
(1) Ask questions, don't ask, don't answer.
At present, China (Mainland) implements "limited notification".
The obligation of health information is limited to telling the insured what he knew at the time of inquiry and before insurance, but not what he didn't know at the time of insurance. For example, in insurance, health notification is to ask if there is chronic gastritis, so people with acute gastritis don't have to inform them specially.
(2) Pay attention to the inquiry scope.
Some critical illness insurance health notification inquiries have time requirements, such as common:
Has the insured been operated on or hospitalized for more than 5 days due to illness in the past year?
In the past year, has the insured taken medicine continuously for more than 30 days due to illness?
In the past year, did the insured company directly refuse, postpone, increase fees or attach relevant conditions to underwrite?
If the above situation happened before, but it was 1 year ago, or the time did not exceed the number of days mentioned in it, then we can still participate in the insurance normally, so don't feel uneasy.
(3) If the situation is unknown, seek professionals.
If there is a relevant past medical history, but we can't judge it ourselves, we can also think so, or we don't know which part of the health notice our illness belongs to, the medical record is too old, the technical terms are too abstruse, and so on. Dear friends, the advice given by senior sister is to find out about those professional platforms or insurance consultants before insurance, so as to avoid claims disputes after insurance.
For the key points of health notification, if you want to know more, the following are detailed popular science articles. You may wish to take a look:
What are the tips for health notification when applying for insurance? 》
Summary:
Health notification actually belongs to the insurance company's evaluation of the insured's health notification, which is a normal risk control method. Consumers treat it normally, just tell them truthfully.
The health notification of different insurance companies is different, and the severity is different. If there are many abnormal health indicators, I suggest you consider those critical illness insurance products with poor health notification. Senior sister has compiled some, and interested friends can have a look:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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