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 you fill in the health notice truthfully or not is related to whether your insurance is effective. Different insurance companies have different requirements for health status, and the content of the inquiry is also different.
If it is not filled in according to the actual situation, when the situation is not serious, you can apply to the insurance company for supplementary underwriting, and the protection can still continue to take effect.
If the situation is serious, according to the provisions of the Insurance Law, the insurance company can refuse to pay the claim, terminate the insurance contract, or even refund you a penny.
When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have some minor problems in your body, I suggest you read this article carefully before buying insurance: 9 categories and 39 kinds of physical abnormalities, the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If you fail to pass the intelligent underwriting, you can choose to replace the product directly or carry out manual underwriting. This is because manual underwriting will be more accurate and flexible, and manual underwriting will not pass, so you have to switch to other insurance products. These are some insurance products with less strict health control, which need to be collected:
Friendly Reminder
1, please don't have a physical examination before you are ready to apply for 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.