Critical illness insurance requires health notification.

Brother Bao said insurance, focusing on insurance evaluation! The contents and tips that should be paid attention to when filling out the health notification form are all here, and you need to do it yourself:

Buying critical illness insurance requires health advice.

Health notification is an insurance company's inquiry about the health status of insurance customers and an important part of insurance contracts. This is related to whether your protection is effective, whether the insurance can make claims normally, and so on. Different insurance companies have different health requirements and ask different questions.

If you don't tell your health status truthfully, when the situation is not very serious, you don't have to surrender, you just need to find an insurance company to supplement the underwriting, and the insurance can still take effect.

However, if the concealment is serious, according to the provisions of the Insurance Law, the insurance company has 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.

At present, domestic health notification can be answered according to these three points: what to ask and what to answer; Don't ask or answer; Think carefully before you answer. If you are a friend with some minor physical problems, I suggest you read this article before buying insurance: 9 categories, 39 kinds of physical abnormalities, disease insurance raiders!

At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.

When intelligent underwriting fails, you can choose to manually underwrite once. This is because manual underwriting will be more accurate and flexible. If manual underwriting fails, it will be replaced by other products, and those products with low health requirements will be replaced. The following are some products with low health requirements that 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.

If you are misdiagnosed, remember to tell the insurance company. Otherwise, it will affect your subsequent claim settlement work.