What should I tell you? Needless to say, which company informed the insurance company whether it would not contract? Will not telling affect the claim?
Brother Zeng is going to talk about health notification today.
First, it is the legal obligation of insurance consumers to tell the truth.
The Insurance Law stipulates that when an insurance contract is concluded, the insurer (referring to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract) makes an inquiry about the subject matter of insurance or the insured, and the applicant shall truthfully inform it. If the applicant fails to fulfill the obligation of telling the truth intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract according to the prescribed conditions.
Second, the significance of Kang exhortation
Many consumers believe that insurance companies require consumers to inform them in order to avoid their responsibilities. If they are told that they are ill, the insurance company will refuse insurance.
This is actually a misunderstanding of insurance, because health notification is a tool for insurance companies to safeguard consumers' fair trading rights.
If every consumer only buys insurance when he is sick, can the insurance company afford it?
If insurance companies rely on raising premiums to improve their risk tolerance, thus protecting sick policyholders, it will be harmful to healthy consumers.
Therefore, through the health screening of the insured, it is to protect healthy consumers and let them enjoy the lowest insurance rate.
Third, truthfully answer questions about health status.
Insurance institutions mainly inquire about the health status of the insured in written form. Insurance consumers need to fill in the health status questionnaire objectively. If you remember some health conditions for a long time, consult medical records, diagnosis reports and other relevant medical materials in time to avoid inaccurate health information and affect the effectiveness of insurance contracts.
Fourth, the risk of false information.
1。 Within two years, the insurance company found that if the contract was terminated, the insurance premium would not be refunded.
According to the insurance law of China, an insurance company has the right to directly terminate the insurance contract without returning the insurance premium if it finds that the consumer intentionally fails to tell the truth within two years, which is enough to affect the underwriting conclusion.
2. After the accident, the insurance company refused to bear the insurance liability.
Generally speaking, the insurance company will make it clear in the insurance contract that the insurance only covers the first illness. If you don't tell the truth about your illness before insurance, you can't get compensation for it.
3. Failure to inform consumers will be blacklisted by the insurance industry.
Insurance companies have more extensive industry cooperation in anti-insurance fraud work. Those who are falsely informed by consumers will be included in the blacklist of the entire insurance industry. Then there is no way to buy insurance.
Verb (abbreviation for verb) what may happen after telling the truth.
1. Survival survey
Survival survey refers to the situation that the insurance company sends investigators to interview the insured and the insured. Through survival survey, the risk of adverse selection of consumers can be effectively avoided.
2. Free medical examination
When the consumer informs that the health is abnormal and the insurance company is not sure whether the customer is in a normal risk state, it will let the customer have a physical examination of the specified content. The expenses are borne by the insurance company. If there is no abnormality, it can be underwritten normally.
3. Standard underwriting
When the abnormal situation informed by consumers is not enough to have a great impact on the health, the insurance company will generally underwrite it normally.
4. Premium underwriting
If consumers inform that abnormal physical condition may lead to increased insurance risks, the insurance company will ask for an increase in insurance premiums before underwriting.
5. Exempt from some liability underwriting
The abnormality informed by consumers may directly lead to some insurance risks, but when it has no influence on other insurance liabilities, the insurance company will choose to eliminate the insurance liabilities that obviously increase the risks.
postpone
The consumer's health is abnormal, and it is uncertain whether he can be insured. Insurance companies will require consumers to determine their physical condition for a period of time before insurance.
7. Refusing insurance
If consumers are told that there are great risks to health, they will be refused insurance by insurance companies.
If you have any other questions about insurance, please pay attention to the official account of WeChat WeChat @ 亵亵亵, and I will evaluate the insurance products from time to time so that you can avoid the insurance pit.