No, you can't buy health insurance if you have cancer. If you conceal your insurance, the insurance company has the right not to pay. I don't know the importance of health notification when asking this question. I'll tell you why you should tell the truth.
Health notification is an insurance company's inquiry about the health status of insurance customers and an important part of insurance contracts. 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, you can apply to the insurance company for supplementary underwriting if the situation is not particularly serious, and the guarantee will remain valid.
If too much information is not truthfully told, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract without returning the premium.
When buying insurance in Chinese mainland, you need to follow the "Three Answers Principle" when filling out the health notice: 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.
When your smart underwriting fails, you can go to manual underwriting, because manual underwriting is more accurate and flexible. If manual underwriting fails, you can only buy insurance products with less strict health requirements. I screened some products with loose health advice that need to be collected:
Friendly Reminder
1, it is best not to go to the hospital for physical examination before insurance. You just have to answer truthfully what you know.
2. If you are misdiagnosed, you must tell the insurance company, because misdiagnosis will also have outpatient or hospitalization records, which may affect the later claims.