In this case, the subjects should think again whether they are already in hospital, have not been informed of some disease, or have a medical insurance card. Health notification is a key step in insurance. Without good health notification, it is easy to cause claims disputes. Here, I would like to give you some knowledge about health notification.
Health notification is a health survey that must be filled out when buying insurance. The insurance company should consider whether to insure you according to your physical condition. The insurance company will only let you buy it if you pass the health notice. Different insurance companies have different health requirements and ask different questions.
If you hide something when filling out the health notice, you can apply to the insurance company for supplementary underwriting if the circumstances are not serious.
If what you conceal is too serious, according to the provisions of the Insurance Law, the insurance company can exercise the right to terminate the contract without returning your premium.
At present, domestic health notification can be filled in according to these three points: what to ask and what to answer; Don't ask or answer; Think carefully before you answer. Friends with some minor physical problems, it is best to read this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!
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. Manual underwriting will be more accurate and flexible, and manual underwriting will not pass, so we have to replace it with other insurance products. Here are some products that are not so demanding on health and need to be collected:
skill
1, you don't need a physical examination before you apply for insurance, you just need to answer what you know truthfully.
2. Friends who have experience in misdiagnosis should remember to tell the insurance company, because misdiagnosis is also recorded by the hospital, and not saying it may be considered as concealing health problems.