First, the standard of intelligent underwriting is set by the insurance company itself, and the standard is not fixed. Insurance companies can adjust in the background, so there will be situations where they can pass intelligent underwriting before, but now they can't.
Second, smart underwriting will be archived. Many people say that smart underwriting leaves no trace, but it is not entirely true. The record and conclusion of smart underwriting will be recorded in your insurance policy. If you choose different smart underwriting options before and after, some companies' smart underwriting systems will fail to pass smart underwriting. Don't try it when you are insured.
At present, the design of intelligent underwriting of companies is not perfect enough, and it is inevitable that there will be some logical loopholes, which make people puzzled. Users often encounter two problems in the process of using. If you understand it correctly, you will use smart underwriting; if you understand it wrongly, you will be cheated.
First, it meets the health notification, but the smart underwriting can't pass. What should I do?
Health notification is a "roadblock" for us to buy insurance. Many people are uncertain and scared when making health advice. Even if they all meet the requirements, they are still not at ease. I always feel safer if I want to insure through smart underwriting, but I don't know that it will add trouble to myself.
This underwriting, the problem is coming, and intelligent underwriting can't pass.
A user is like this. He has gastritis, but he didn't ask the health advice, but he was smart enough to ask. After intelligent underwriting, the conclusion is that it is impossible to insure, and users are at a loss.
In fact, this option of gastritis is not for him, but for people who have been hospitalized for 30 days in a row within 2 years.
For those who have seen a doctor for gastritis in the last two years, the insurance company thinks that the risk is relatively high, gastritis has been cured, or the condition is stable, and there is nothing unusual recently. The insurance company believes that the risk is under control.
Anyone who meets the health advice can take out insurance, so you don't have to get into trouble too seriously.
Second, it does not meet the health notification, but there is no corresponding option in smart underwriting. What should I do?
We may not meet the health notification for various reasons, but when underwriting intelligently, there may not be corresponding exceptions in the options.
For example, a health insurance asks whether it has been hospitalized in the past two years, and the insured seeks medical treatment for ectopic pregnancy. So I entered the intelligent underwriting and found that there was no ectopic pregnancy. Does that mean you can insure it directly?
That was not the case. No corresponding abnormality was found, that is to say, it cannot be insured through intelligent underwriting. If you really want to buy it, you can contact the insurance company to see if you can cover it manually.
Therefore, not all health abnormalities can be intelligently underwritten.
Intelligent underwriting has gradually become the standard of Internet insurance. If the body is abnormal, you can choose several smart underwriting insurance products and choose the one with the best conclusion.