Before applying for insurance, many people will also ask whether some abnormal health conditions can be insured in the background. Common are breast nodules, hepatitis B virus carriers, thyroid nodules, fatty liver and so on. We have written related articles before.
Because different insurance products have different health notification contents and different strictness, the health abnormalities you want to consult are not exactly the same. Today, we will not analyze which insurance can be insured and which insurance cannot be insured, but talk about health notification and underwriting from a big perspective to answer some common questions for you:
Do you need a comprehensive physical examination before buying insurance?
Why does the insurance company underwrite?
Abnormal body, how to insure with healthy body?
First, do you need a comprehensive physical examination before buying insurance?
Why is everyone willing to buy insurance online now? The main reason can be said to be convenience, simple insurance procedures, and all of them are insured without medical examination. To buy insurance online, you may need to go to the hospital for a comprehensive physical examination first, and then the insurance company will exclude all kinds of risks according to the physical examination report before underwriting.
However, we do not recommend a comprehensive physical examination before insurance. Because sub-health is very common now, most people will have minor health problems to a certain extent, so if we give health advice after examination, we may not be able to underwrite it normally, so we can only increase the cost and exclude or refuse to insure it, which is very unfavorable to ourselves.
Second, why does the insurance company underwrite?
Quite simply, in order to prevent the risk of adverse selection. Simply put, it is insurance against diseases.
Some people don't realize that they need insurance when they are in good health, and think it is a waste to buy insurance. But once they have physical problems, they want to buy insurance quickly, so that they can get claims from insurance companies and reduce economic losses.
This kind of psychology is not difficult to understand, but it does not conform to the meaning of insurance. If insurance companies don't do underwriting, set no threshold, and everyone buys insurance after getting sick, then the business of insurance companies will be gone, and insurance will no longer exist.
Therefore, under the weak position of information, insurance companies will know the health status, living habits and family history of the insured through various underwriting methods, so as to control the chances of winning. Insurance companies can control the risk of compensation and further reduce the premium when repricing, which is more beneficial to those who meet the insurance conditions.
The health notification page shows
What are the common underwriting methods of online insurance?
1. Health notice
The first step of online health insurance is that the insured must read the health notice carefully. The questions asked by the insurance company are often directly related to this policy, and the content unrelated to the policy will not be asked. Even if the insured has other health problems, there is no need to inform him without asking.
1. Intelligent underwriting
What if the health notice mentions physical abnormality? Don't panic, you can try to insure products with intelligent underwriting function. Intelligent underwriting operation is very simple, and the corresponding underwriting results can be obtained in a few simple steps, without leaving any underwriting records, and even if the insurance is refused, it will not affect the future insurance.
Smart underwriting page
If there is no intelligent underwriting function or beyond the scope of intelligent underwriting, you can proceed to the next step, mail pre-underwriting or manual underwriting.
Pre-verification of 1. mail
It refers to sending medical records, inspection reports and other related materials to the underwriting staff of the insurance company for early review before formal insurance. The advantage of this operation is that it is more humane, and many complicated diseases can be insured, and there will be no bad records of refusal, extension and exclusion.
1. Manual underwriting
This is the last underwriting method, that is, when a product is insured, the underwriting information is directly sent to the insurance company through the product link, waiting for the insurance company to review. Although this kind of audit is also very convenient, the disadvantage is that it will leave a bad record. If you insure products without smart underwriting and mail pre-underwriting, or feel that the underwriting success rate is high, you can choose this underwriting method.
Third, the body is abnormal, how to insure with a healthy body?
So what should I do if I have found my health abnormal and want to take out insurance as a healthy person? Here are five suggestions for everyone:
1. Health notification is a limited notification. Truthfully mentioned, not mentioned, relatively minor, do not need to take the initiative to inform.
2. Choose an insurance product with intelligent underwriting function. If you can pass the intelligent underwriting, you can be insured normally.
3. Try various insurance products. Different insurance products will have different health notification and intelligent underwriting conditions, some of which are stricter and some are looser. For example, many products with hepatitis B virus can't be insured, but Fosun combined with Lekang Yisheng (20 19) critical illness insurance and Fosun Baode Xinxingyue critical illness insurance can.
4. Some health abnormalities have been controlled or cured, such as obesity and fatty liver. After adjusting your living habits and returning to normal, you can try to insure.
In addition, the health notification of products is not immutable. Many insurance companies will upgrade the health notification according to the needs of consumers. Maybe those who can't be insured before the upgrade can be insured after the upgrade. For example, the perfect life guardian critical illness insurance exclusively sold by Wutongshu Insurance Network upgraded the health notification only 1 month. 15 The number of health reports has been directly reduced by almost half, only eight, and many of them are relatively loose.
Perfect life protects critical illness insurance: the "king of cost performance" in multiple compensation products for critical illness.
No matter from the protection content, clause design and premium, Xintai Perfect Life Guarding Critical Illness Insurance is an overpaid critical illness insurance with high cost performance, with great product advantages, which is very suitable for people seeking comprehensive protection. If there is such a demand for critical illness insurance, it is worth considering.
1) The waiting period is only 90 days.
The waiting period for the perfect life guarantee critical illness insurance is only 90 days.
The insurance company has no liability to pay for the accident during the waiting period, so the shorter the waiting period, the sooner the insured can enjoy full protection. Compared with the waiting period of ordinary critical illness insurance 180 days, the critical illness insurance of perfect life is shortened by half.
And generally speaking, if you suffer from mild illness during the waiting period, the premium paid by mild illness will be refunded, and the contract for mild illness will be terminated, that is, other mild illnesses will not be compensated. The critical illness insurance of perfect life guarantee only exempts him from one or more minor illnesses during the waiting period, but he can still enjoy other minor illnesses.
2) 106: Five payments were made for severe diseases, and malignant tumors were grouped separately.
Underwriting 106 kinds of serious diseases, which can be paid in five times, each time paying100% of the insured amount;
Critical care is divided into five groups, and malignant tumor is a single group.
Judging from the claims data of major insurance companies, the claims for malignant tumors have always been ranked at the top. 1 position, so it is hooliganism to classify other diseases and malignant tumors.
Critical illness insurance, the guardian of a perfect life, divides the highest malignant tumor in payout ratio into one group, which can fully ensure that other critical illness compensation is not affected by cancer, which is more beneficial to the insured.
3) 55 kinds of mild diseases were paid three times, and the proportion of single payment was as high as 45%
Most of the critical illness insurance products on the market have a minor illness payment ratio of around 30%. Perfect Life Guarding Critical Illness Insurance pays for minor illness three times without interval, each time paying 45% of the basic insured amount, which is the highest payment for minor illness in the market at present.
Of course, the maximum coverage of ordinary critical illness insurance is only 500,000, 30% of which is 6.5438+0.5 million, while the maximum coverage of perfect life critical illness insurance is 830,000, and the maximum coverage of minor illness single payment is 373,500. The protection of mild illness is more adequate.
4) double indemnity, a child with a specific serious illness, has double protection for children.
The guardian of a perfect life, critical illness insurance, also has a bright advantage, that is, an additional coverage of 100% is set for minors with 18 specific high-risk diseases before the age of 08. For example, if the baby is unfortunately suffering from leukemia, in addition to paying the premium for serious illness, it is also necessary to pay the special premium for high-risk diseases of children.
10 kinds of children's specific major diseases, covering children's common high and critical diseases, 200% covering children's specific serious diseases, and the protection is still very complete. 5) The premium is lower than that of similar products.
The guardian of the perfect life's critical illness insurance can be paid for up to 8 times, the cumulative proportion of adults can reach up to 635%, and the cumulative proportion of children can reach up to 735%, but the premium is even cheaper than some insurance products that pay for critical illness at one time! More comprehensive protection, lower premium!
Health notification is an important part of insurance. It is best to apply for insurance when you are in good health, which not only has a greater chance of success, but also has a greater choice. But even if you are abnormal, don't be too disappointed. You can still get the chance of normal insurance through various underwriting methods. You just need to try more.