Ping An E Life refused to pay compensation after one year of renewal, saying that there was no health notice. What about the insurance premium?

Everyone wants to live a quiet life, but with the rapid development of social economy, there are more and more pains and hardships. Many people choose to buy insurance in order to better share the risks. After an insurance accident, if the insurance company refuses to pay compensation because there is no health notification, it is impossible to recover the premium, because health notification is a very serious matter. If you can't make insurance claims because of your own problems, you are probably suspected of defrauding insurance and need to bear legal responsibility. I hope everyone can buy insurance rationally.

1. How important is health notification?

We all know that there will be a questionnaire survey before buying any insurance, which is what we call health notification. Health notification can screen patients well, because we all know that insurance companies have very strict requirements for critical illness insurance and medical insurance. If you are sick and want to buy insurance for treatment, how can an insurance company stand on its feet? Therefore, be sure to tell them the truth before taking out insurance. Only in this way can we better protect our legitimate rights and interests.

2. Why are insurance companies so strict about health notification?

We all know that insurance companies are operating organizations, not charities. Only by controlling the claim rate can we better control the expenditure. If we have some problems ourselves, the probability of them will definitely be much higher than that of healthy people. In order to better control our claim rate, the insurance company will notify the health and control it so strictly.

3. How should I buy the insurance that suits me?

We all know that there is no most suitable reinsurance company for insurance. When buying insurance, you must know the corresponding terms in time. We should treat the salesmen of insurance companies rationally. Only contracts can better safeguard our legitimate rights and interests. I hope you can buy some commercial insurance in time to protect your life.