Health notification is a health survey that must be filled out when buying insurance. The insurance company should consider whether to insure you according to your physical condition. This is directly related to the effectiveness of protecting content. Generally, insurance can only be insured through health notification. Different insurance companies have different requirements for health status, and the content of inquiry is also different.
If you don't tell the truth, you don't have to rush to surrender if the circumstances are not serious. You can apply to the insurance company for supplementary underwriting, so the insurance can still be used.
If the concealment is too serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract without returning the premium.
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 physical problems, you can read this article to buy insurance: 9 categories, 39 kinds of physical abnormalities, and the whole strategy of disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If the smart underwriting fails, a manual audit will be conducted. Because of the accurate evaluation of manual underwriting and the more detailed conclusion of complex problems, manual underwriting can't pass the customs, so we have to replace it with other insurance products. I collected and screened some sufficient insurance products, and there were not so many health requirements. I need to be able to collect them:
Skills of love
1, it is best not to have a physical examination before buying insurance. You just have to answer truthfully what you know.
If you are misdiagnosed, you must tell the insurance company, which may affect your claim.