This reminds me of a story told by a client before, which really hurts my heart. Xiao Ah first bought Ping An Fu at the beginning of 20 17 under the introduction of relatives. Later, his relatives left Ping An in less than a year and joined Pan-China Insurance Brokerage Company. Under the strong training of the company, his relatives returned all the products purchased in Ping An and replaced them with Tianan Life Insurance, and also reminded Xiao Ah to return Ping An Fu.
Later, when I was cleaning up the sundries, I found the medical report when I gave birth (one or two years before I was insured for Ping An Fu), which showed Xiao Sanyang, so I told my relatives about it. He didn't think about anything, so he sent a physical examination letter with the little boy in the company, and the results came out. Two or three years ago, Xiao Sanyang became a big Sanyang, and was told that he refused to take out the insurance, paid the premium for two years and returned one.
The insurance premium is gone, and the protection is gone. It's really not a notification method! After knowing the principle of telling the truth in insurance, many partners are wondering whether to make a down payment in addition to whether to say it ... Next, I will answer this question from two aspects:
Do you want to continue paying?
As I said before, this is just a hypothesis. Because the meningioma case is within the grace period of payment, and I know about it, I am still considering whether to pay the fee. What I want to say here is, don't hesitate to pay the fee quickly.
Because from the analysis of the diseases that have been suffered, meningioma and acute nephritis, these two diseases involve two major systems: brain and kidney. According to our experience, if we don't pay the fee, we will lose our protection completely. If the products are returned, it is not easy to find the products with particularly ideal underwriting results from the underwriting results.
I'd rather talk to the insurance company slowly in the future than lose the protection completely, because the insurance period has expired for two years, and the insurance company has lost the opportunity to understand the contract. If the health changes in the future, the serious illness has nothing to do with the previous illness, and it is basically easy to get insurance money. The longer the time, the better it will be for the insured even if there is a disease in the past medical history. ...
Do you want to add information?
I have bought insurance for two years. Do you want to add some information? In fact, this is the core of this article. The answer is that there is no supplementary notice. If it has been two years, please don't go looking for trouble and embarrass yourself and the insurance company for underwriting. ...
Why do you say that? Two years have passed, and you are in good health and have not got any serious illness. You finally cleared the customs smoothly, and the insurance company could not cancel the contract. Why did you think of this question? As the insured, the only thing to do is to take care of yourself and let time pass slowly. The later the claim is made, the better for you.
Of course, some people are still insecure and want to talk to the insurance company. It seems more stable. I will talk to you when I am free. Some customers in the same industry were hospitalized before buying insurance. They have bought insurance for two years. The insurance company bullied Xiao Bai, and the customer service made a phone call. After a few words of persuasion, they agreed to the insurance company's request (there is a record, but you agreed, there is no need to pull it again) and directly refunded the fee.
When he knew that the insurance company could not terminate the contract, but the contract had been terminated and he had no protection, the feeling of eating flies naturally came. Of course, if you want to experience it, it won't stop you ...
Supplementary notice is skillful.
Seeing this, I believe you also think that buying insurance health notification is a professional matter, and supplementary notification is also a technical job. How to correctly safeguard your rights and interests? Let's divide it into several situations:
1. The abnormal health is not serious, and the new policy covers it for less than one year. Find out the details of Chu's abnormal health, and then combine the health notification of the product. Some long-standing minor anomalies or recent occasional colds and fevers are actually underwritten by the standard body without notice. Or through professional analysis, we already know the physical condition of the subjects, and we can take a notification process to avoid short-term trouble.
Second, the health is extremely serious, and the new policy is covered for less than one year. If the physical recovery is not particularly good, the product health report analysis will definitely refuse the insurance, and you can consider telling. For misleading sales and cheating in sales, you can severely poke the insurance business and strive to recover the premium (some companies have already refunded the current price, for example, Xiaoya has already suffered a dumb loss). Or don't tell, but collect relevant evidence of misleading and cheating, and present it as favorable evidence in court in the future.
3. Don't tell me about the underwriting for more than two years. As I said before, after two years of defense, he has lost the right to terminate the contract. There is no need to let him rack his brains to fool you into surrendering ... No matter what kind of physical condition, take care of yourself. The longer you stay up, the better, which is in your best interest. ...
Finally, let me explain: The above is for long-term or whole life insurance and critical illness insurance. There is no two-year defense for medical products. Don't think that taking out medical insurance in spite of illness will have any good results. If you are lucky, you will lose once, and if you are unlucky, you will refuse to pay directly. ...
Ok, today's sharing is over. If you like my article, please forward it to more partners. Thank you!