Scenario 1: Some cautious friends will tell the insurance company all the abnormal indicators they know. These abnormal indicators are all possible and can't be diagnosed, which not only brings trouble to the underwriting staff, but also makes the underwriting results very harsh.
Scenario 2: Some other friends may not think too much about the insurance and pay little attention to the notification link. After the nuclear insurance passed smoothly, I suddenly thought, alas, I went to the outpatient clinic for examination five years ago, and I fell on the mountain seven years ago and had a CT examination. If we don't tell them, will it be difficult to make subsequent claims?
Then the question is coming. How should I inform you when I buy insurance? Today Shen Lanjun will tell you something, hoping to help you.
I. Online Product Insurance Notice
Internet insurance adopts the way of inquiry and notification. In this case, the most reasonable way is to tell only the questions asked, and there is no need to tell the questions that have not been asked. I didn't sum it up myself. Shen Lanjun also consulted many friends in charge of underwriting, and they all came to this conclusion.
Article 16 of the Insurance Law:
When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.
Every product of the insurance company is carefully designed, and the measurement and definition of risk have their own data model, so we don't have to worry about the insurance company. As long as the insurance company doesn't ask, even if we know that an indicator is abnormal, we don't need to tell, and we don't have to worry about subsequent claims.
Let's take sunshine health with E-care as an example. This product only asks about hepatitis B. If it is a hepatitis B carrier or a small sanyang, you can naturally buy it.
When evaluating Hongkang Dabai term life insurance, Shen Lanjun found that height and weight are required to calculate the body mass index, but there are also many term life insurance products that don't ask about height and weight, so even if we are seriously obese, we can buy them normally as long as we meet the health notice.
The second is the health notification of products under the insurance quota.
In addition to buying online Internet products, many friends will also insure offline products. The truthful notification of offline products is generally carried out by means of questionnaire survey. The picture below shows a product questionnaire found by Shen Lanjun:
Shen Lanjun suggested that as long as it is the content of the health notification questionnaire, it should be answered truthfully. The above is only the questionnaire of insurance companies, and there will be some differences between different companies.
At this point, some friends will definitely have questions. Do I need to list all my medical records? For example, a fever a few months ago, a meniscus examination of a fall a few years ago, and an outpatient examination record ten years ago? If you really try to recall carefully, I believe you can still list a lot. Let's see how the insurance law stipulates.
Article 16 of the Insurance Law:
If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract.
If the right to terminate the contract stipulated in the preceding paragraph is not exercised for more than 30 days from the date when the insurer knows the reason for termination, it shall be extinguished. If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.
Only those that can affect whether the insurance company underwrites or raises the insurance rate need to be told truthfully. If the uninformed content has no influence on the underwriting conclusion, the insurance company cannot refuse to pay compensation and terminate the contract.
If you are not sure whether your problem affects underwriting, or the agent can't give you professional advice, then Shen Lanjun suggests telling the truth. The underwriting team of the insurance company has profound medical background and practical experience, so it is good to leave this problem to them.
What will happen if you don't tell the truth?
If you don't tell the truth, it will involve the incontestable clause of the insurance law. Our tweet about the "incontestable clause" a few days ago has a detailed explanation, and many colleagues have also fed back some actual cases. Click here to view the original >>& gt
The content of "incontestable clause" in Article 16 of the Insurance Law:
Article 16 When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform it.
If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract.
If the right to terminate the contract stipulated in the preceding paragraph is not exercised for more than 30 days from the date when the insurer knows the reason for termination, it shall be extinguished. If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.
Although the two-year irrefutable clause is a very favorable clause for our policyholders, in order to avoid that some matters caused by our negligence have not been truthfully told, as long as the insurance company does not raise any objection after the two-year irrefutable period, then this should not be the reason for refusing compensation in the future.
But in the long run, it may also induce adverse selection and moral hazard. Insurance companies may strengthen underwriting and even raise premiums to protect their own interests. Therefore, Shen Lanjun's attitude is to tell the truth as much as possible and not to play with fire, so as not to bring unnecessary trouble to himself.
The last article also misses a situation, for example, undisclosed matters have nothing to do with the occurrence of insurance accidents, so in most cases, insurance companies need to settle claims. For example, I didn't tell hepatitis B that I bought term life insurance, but due to an accidental death, this situation was generally settled in previous lawsuits.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.