Next, Senior Sister will tell you something about buying critical illness insurance and health notification.
If some friends don't know much about insurance, this article is worth learning: Super Complete! Everything you want to know about insurance is here.
Critical illness insurance is a kind of health insurance to protect the health of the insured, so when applying for critical illness insurance, the insurance company will certainly have a comprehensive understanding of the health of the insured; In this way, not only the occurrence of malicious insurance fraud is reduced, but also the risk of the insurance company itself is considered.
Insurance companies mainly know the health status of the insured through health notification. As the insured, when facing the process of health notification, everyone really has the legal obligation to tell the truth; However, you don't have to take the initiative to tell other medical history that the insurance company didn't ask.
For more tips on health notification, friends in need can poke this article: What tips are there for health notification when insured?
When purchasing critical illness insurance, if you can't pass the health notification smoothly, you will enter the underwriting link. Generally speaking, the underwriting process is mainly divided into two ways: manual underwriting and intelligent underwriting, among which it is recommended that you give priority to products that support intelligent underwriting.
Because the underwriting process is intelligent, even if the insured fails to pass the underwriting process smoothly, it will not leave underwriting records, and it will not affect the insured's subsequent application for other insurance products.
If a small partner has questions about manual underwriting and intelligent underwriting, this article will definitely answer: What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!