If you fill in the wrong information in the health notification of online insurance, you can withdraw from reinsurance in time if you find an error in the process of filling in; If it is still in the hesitation period 10 days, you can buy it again after surrendering in the hesitation period in the system policy, and make a health notification according to the facts.
Health notification is an insurance company's health survey of customers, including past diseases, personal living habits, smoking and drinking. This is a very important content in the insurance contract. This is related to whether the guarantee is effective and whether the insurance pays. Insurance can only be insured through health notification. Different insurance companies have different requirements for health status, and the contents of the inquiry are also different.
If you don't tell the truth when you apply for insurance, you can apply to the insurance company for supplementary underwriting if the situation is not particularly serious, and the guarantee will remain valid.
However, if the concealment is serious, according to the provisions of the Insurance Law, the insurance company can refuse to pay compensation, terminate the insurance contract and not refund 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 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.
If smart underwriting fails, you can manually review it again. This is because the manual underwriting audit will be more accurate and flexible. When manual underwriting fails, you can only choose to buy products with low health requirements. I have selected some products that are worth buying and have low health requirements, and need to be collected:
pay attention to
1, it is best not to have a physical examination before buying insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, remember to inform the insurance company to avoid problems in later claims.