1, guarantee responsibility and exclusion responsibility. Different safeguard responsibilities and definitions determine their different rates. Before buying health medical insurance, you must read the terms of insurance products carefully, pay special attention to the provisions of exclusions, deductibles and exemption periods, understand your rights and obligations, and then make rational purchases according to your own health and economic situation.
2. The length of waiting time. Many health insurance products have a "waiting period". If the insured falls ill during the waiting period, the insurance company will not pay for it.
3. Guarantee renewal clause. That is, after the expiration of the last insurance period, the applicant applies for renewal of insurance, and the insurance company must continue to underwrite according to the original terms, and the rate cannot be adjusted according to personal risk.
4. Comply with the terms of truthful disclosure. When purchasing any insurance products, you should truthfully fill in your physical condition, past medical history and other matters that need to be informed.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.