Those with a history of hospitalization had better tell the truth.
Health notification is the inquiry of the insurance company about the health status of the insured, and it is a very important content when purchasing insurance. 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, if the situation is not serious, you can discuss with the insurance company to supplement the underwriting, and the insurance can still continue to take effect.
If your health problem is too serious, according to the provisions of the Insurance Law, insurance companies have the right to terminate the contract without returning the premium, and some insurance companies may return you a little cash value in a friendly way.
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 have some minor physical problems, you'd better finish reading this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, a complete guide to disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When intelligent underwriting fails, you can choose manual underwriting once, because the accuracy of intelligent underwriting is not as high as manual underwriting. If the manual underwriting fails, we can only replace it with a new product. I have selected some products that are worth buying and have low health requirements and need to be collected:
Special tips
1. It is not recommended to have a physical examination before buying insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, remember to inform the insurance company to avoid problems in later claims.