If you buy insurance and have no health notice, the insurance company may refuse to pay compensation later. Therefore, everyone is lucky, and health advice should be done truthfully. Seeing that the subject asked this question, I must have not understood the importance of health notification. Let me tell you what a health notice is.
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. Whether an insurance can be used normally and whether it can be settled normally is all related to this. Different insurance companies have different health requirements and ask different questions.
If you don't tell the truth when you apply for insurance, if the situation is not serious, you can discuss with the insurance company to supplement the underwriting, and the insurance can still continue to take effect.
If the concealment is too serious, according to the provisions of the Insurance Law, the insurance company may refuse to settle the claim and terminate the contract.
When filling out the health notice, you should follow these three answers: answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you have some minor physical problems, you'd better finish reading this article before buying insurance: 9 categories and 39 kinds of physical abnormalities, a complete guide to disease insurance!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If you fail in smart underwriting, you can conduct manual auditing again, because manual underwriting is more accurate and flexible. If manual underwriting fails, switch to other products. For those products that don't have so high health requirements, I have collected some products that don't have so many health requirements. I need to collect them:
Un conseil d'ami
1, it is best not to go to the hospital for physical examination before insurance. You just have to answer truthfully what you know.
If you have been misdiagnosed before, you must talk to someone in the insurance company. Because misdiagnosis will also have hospitalization records, which may affect your safety content.