To tell the truth here, it must be underwritten by the insurance company. If it passes the underwriting, it will be very simple, and the insurance company will continue to underwrite according to our physical health. Nothing more than four situations:
1, normal underwriting
The so-called normal underwriting means that we truthfully report our health problems to the insurance company for underwriting. After underwriting, the insurance company feels that the informed health condition has little influence on the insurance, and the insurance company is willing to underwrite normally.
Case: Ms. Zhang, who is slightly infected with hepatitis B virus, found that the health notice required this when she applied for critical illness insurance, so she could not underwrite it normally and had to apply for insurance underwriting. According to the medical report provided by Ms. Zhang, the insurance company found that she did have mild hepatitis B virus, but her liver function was normal, which met the underwriting conditions and could be underwritten normally. In this way, Ms. Zhang Can can apply for critical illness insurance normally after her health condition is recorded by the insurance company.
2. Deferred underwriting
The so-called deferred underwriting means that after underwriting, the insurance company thinks that the current physical health of the insured does not meet the underwriting conditions, and needs to wait until the health condition is restored, and then go to the hospital for re-examination, and then apply for insurance without any health condition.
Case: Mr. Li wants to take out a critical illness insurance. When filling out the health notification form, he found that he asked whether the insured had been hospitalized in the last five years. In the early stage, Mr. Li had an operation in the hospital because of appendicitis, and he needed to apply for insurance underwriting. Insurance underwriting found that Mr. Li had just been discharged from the hospital and his body had not fully recovered, which did not meet the underwriting conditions. He needs to wait until he is fully recovered before he can be insured. In this way, it will take some time for Mr. Li to go to the hospital for re-examination after he has fully recovered. Only when he is completely healthy can he insure this seriously ill product normally!
3. Single exemption underwriting
The single exemption clause is easy to understand: when an organ of our body is in a sub-health state, there is a high probability of causing serious diseases related to this organ, but other than that, other health conditions are fine. At this time, after assessing their health status through underwriting by insurance companies, it is decided that if the responsibility for serious illness that may be caused by organs that are currently in sub-health state is exempted, other serious illness insurance companies can underwrite normally.
Case: Mr. Wang, because Xiao Sanyang can't insure normally, but he wants to insure health insurance, so he goes to the insurance company for underwriting. According to the inspection report provided by Mr. Wang, the insurance company found that the probability of acute or subacute severe hepatitis and other liver diseases is quite high because of Mr. Wang's small three yang. After making a risk assessment, the insurance company is unwilling to cover Mr. Wang's serious illness risk. If Mr. Wang wants to buy insurance, he must be exempted from the responsibility of liver disease. In the future, he can't get claims normally because of the risk of liver disease, but other parts of the disease can get claims normally.
4. Premium underwriting
Premium underwriting is a good underwriting result, which means that the insurance company is willing to underwrite after underwriting! But if you want to insure at a higher rate than ordinary people (for example, paying 20% more than ordinary people), you can claim as long as you are out of danger.
Case: Mr. Sun, aged 42, is a customer of a life insurance company. The year before last, Mr. Li wanted to insure the company with a comprehensive protection plan. When filling out the insurance application form, Mr. Li informed the insurance agent that he had mild hypertension according to the requirement of "telling the truth". After physical examination, the company confirmed that what he said was true, but did not refuse to underwrite. Because according to the relevant insurance rules, Mr. Li Can still applies for insurance by "increasing expenses", that is to say, compared with the healthy insured, Mr. Li Can obtains a policy by increasing some premiums every year. Mr. Li knows the importance of being the "pillar" of the family, so he took out an insurance with a premium of up to 30 thousand yuan. In this way, the insurance company should also bear the corresponding responsibilities for the risks agreed in the later contract!
The worst result of "telling the truth" is that the underwriting fails and is rejected. If we are really refused insurance for health reasons, we can also make plans as early as possible, instead of pinning our hopes on insurance, such as saving a risk reserve for ourselves, which is much better than not telling the truth, and then there will be claims disputes or being refused compensation by the insurance company.
Most importantly, after "telling the truth" about our health status, we can screen out products that really suit our health status according to our health indicators, so as to avoid the risks we face. Such as cancer insurance!
Therefore, before applying for health insurance, you must find out your health status. If you encounter something you don't understand or are uncertain, you must confirm it with the staff before you operate, so that you can maximize your own interests, avoid unnecessary disputes in the later claim settlement process, and avoid blind insurance.