First of all, health notification means that when we apply for insurance, we need to explain the health status of the insured, so that the insurance company can make a decision on normal underwriting, increased underwriting, extended underwriting or refusal. In the health notification link, we must tell the truth and avoid deliberately concealing it, otherwise the insurance company may refuse to pay compensation later.
When the policy takes effect, most products usually have a waiting period. During this period, if the insured is in danger due to non-accidental accidents, the insurance company will not bear the corresponding insurance responsibilities. Want to know more about the waiting period, you can poke this link: the insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss!
Generally speaking, in the medical insurance that guarantees renewal, we can see that there is no health notification and no waiting period. Take the worry-free million medical insurance of Pacific Medical as an example. Guaranteed 20-year renewal. During the renewal period, factors such as product suspension and poor personal health will usually not affect our renewal next year, and there is no need to go through the health notification link when renewing the insurance, and there is no waiting period after the renewal is successful. If you want to know more about this product, you can read this article: Can Pacific Medical enjoy the worry-free million medical insurance for 20 years? Is it true?/You don't say. /You don't say. ...
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