Even in the same insurance company, the health notification of different products is different, but there are also some places that need our attention. Tell everyone about it.
Health notification is an insurance company's investigation on the health status of the insured, and all insurances must be filled in. 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, if the circumstances are not serious, you can choose to declare supplementary underwriting to the insurance company, so the protection is still effective.
If your health condition is too serious, according to the provisions of the Insurance Law, the insurance company has the right to refuse to settle claims and terminate the contract.
When you buy insurance, you can fill in the health notification form according to this "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. Friends with some minor physical problems, it is best to read this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
When your smart underwriting fails, you can go to a manual underwriting, because the evaluation of manual underwriting is accurate and the conclusion of complex problems is more detailed. When manual underwriting fails, only products with less strict health requirements can be replaced. The following are some products with less stringent health requirements, which need to be collected:
Skills of love
1, you don't need a physical examination before you apply for insurance, you just need to answer what you know truthfully.
If you have been misdiagnosed before, you must talk to someone in the insurance company. Because misdiagnosis will also have hospitalization records, which may affect your safety content.