How to complete the health notification and how to do the health notification?

Health notification is one of the types of notification, which is to inform the insurance company of the insured's physical health status, and the insurance company will then conduct a risk assessmentDetermine whether it can be covered

At present, domestic insurance companies mainly use it"Ask to inform".method,Make health notices, followIf you ask something, you must answer it, don't ask it, think clearly and then answerWe only need to follow the actual situation.

Of course, you need to pay attention to whether there are any abnormal medical records, including all abnormal records of outpatient clinics, physical examinations, hospitalizations, and medical insurance cards. These issues may result in non-claims, so they cannot be ignored. Here are some health tips, hurry up and collect them:

What are the tips for health notification when applying for insurance?

So, how do insurance companies review health notices when making claims?

Check through social security records, including urban social security and new rural medical care, query medical and medical records.

Through the insurance company's claim recordsAll policy information will be recorded in a system, and all records of insurance application, refusal, and claim can be shared by insurance companies.

An insurance investigation company is commissioned to conduct an investigationInsurance companies not only have their own ways of inquiry, but also entrust outside companies to investigate.

Finally, truthful health disclosure is responsible for oneself, and buying insurance is also for peace of mind.

That's all I've got on the issue, I hope it helps!

Hope!

Xueba said the official website of insurance

Xueba talks about insurance, focusing on insurance evaluation! Here I have compiled some tips for filling in the health notice and the problems you may encounter, and it is recommended to bookmark:What are the tips for health notification when applying for insurance? 》

Health notice is the first step in insurance, when it comes to health notice, many people will have questions in their hearts: health notice is densely packed with hundreds of words, which ones do not need to be said? Today, I will talk to you about how to properly inform about health.

Health notification is mainly a questionnaire used by insurance companies to understand the health of the insured. You can only apply for insurance through health notification, and you can't buy it without filling it in, and different insurance companies have different requirements for health conditions, and the content of the inquiry is also different.

If you do not tell us the truth when you apply for insurance, you can apply to the insurance company for supplementary underwriting when the situation is not particularly serious, and the coverage will continue to be in effect.

If you lie about a health problem that is too great, the insurance company has the right to terminate the contract immediately and may not refund the premium according to the provisions of the Insurance Act.

When you fill in the health notice when you buy insurance, you can fill in the "three answers": what to ask and what to answer; No questions or answers; Think about it before you answer. Assuming that you have some minor problems with your body, I suggest you take a look at this article before buying insurance:

"Five steps to teach you to easily take out sick insurance".

At present, there are two ways to choose between intelligent underwriting and manual underwriting.

When your intelligent underwriting does not pass, you can go to a manual underwriting, because the evaluation and accuracy of manual underwriting, the conclusion of complex problems is more detailed, and if the manual underwriting is not passed, you can only change an insurance product, change some products that are not so strict with health requirements, I have collected and screened some insurance products that are more worthwhile and not so many health requirements, and you can collect them if you need to:"Big Ranking of Insurance Products with Low Health Requirements".

Precautions

1. Please don't go for a physical examination before preparing to apply for insurance, you just need to tell what you know.

2. If you have been misdiagnosed, you must remember to tell the insurance company, which may affect your claims.

That's all I have for this issue, I hope it will be useful to you.

Health notification is very important, and failure to tell the truth will affect subsequent claims! However, the health notice is not so harsh, and the insurance company generally has the following two ways: 1. Inquire and inform; That is, what to ask, what to answer, and not to answer what is not asked; 2. There is a record of notification; That is, the physical health status of the insured shall be subject to the records left by the hospital or physical examination institution;

Health notification is an important part of the insurance contract as an insurance company's investigation and inquiry into the health status of the insurance customer.

This is related to whether the protection is effective, whether the insurance pays out, etc., and can only be insured through health notices.

As for why the insurance company will set up this health notice, there is actually a reason, if you want to know, you can click here to view:"Is the health notice of the insurance company making it difficult for us? 》

Different insurance companies have different requirements for health conditions and ask different contents.

If you do not fill in the information truthfully when applying for insurance, and the situation is not too serious, you can apply for supplementary underwriting with the insurance company without rushing to surrender the policy, so that the insurance can still be used normally.

If your health condition is too serious, the insurance company can refuse to pay the claim and terminate the contract according to the provisions of the Insurance Law.

When buying insurance in mainland China, you need to follow it when filling out the health notice"The principle of three answers": What to ask and what to answer; No questions or answers; Think about it before you answer. For those who have some minor physical problems, please read this article carefully before buying insurance:

"Remember these 5 steps to get you sick and apply for insurance smoothly!" 》

At present, there are two ways to choose between intelligent underwriting and manual underwriting.

If you fail to pass the smart underwriting, you can manually review it again. Manual underwriting will be more accurate, the flexibility is relatively high, and the manual underwriting cannot be passed, so it has to be replaced with other insurance products, which are some insurance products that are not so strict in the control of health conditions, and they need to be collected:"Top 10 Value-for-money Health Notification Loose Insurance Products".

Tips: 1. Don't go for a physical examination before applying for insurance, you just need to tell what you know.

2. Assuming that you have been misdiagnosed, remember to tell the insurance company, otherwise it will affect your subsequent claim work.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Health notice needs advice, you better not have a physical examination before buying insurance, you just need to answer what you know truthfully, close friends who have misdiagnosed need to pay attention, misdiagnosis is also recorded by the hospital, health notice is related to physical health, and the questionnaire must be filled out when buying insurance is related to later claims.

Health notification is a questionnaire related to physical health that is required to be filled out when buying insurance, and is related to later claims. Fill in the health notice is to remember to answer all questions, do not ask and do not answer, if you do not answer truthfully, the insurance company has the right to refuse the claim!

It's okay to fill it out carefully, be sure to read it clearly, and don't fill it in randomly, so as not to have a bunch of unnecessary troubles in the future. The simplest thing is that if something happens, others can think that you are deliberately hiding your health status and refuse to compensate you.

The health check-up will tell you what abnormalities occur in the physical examination, and then in response to the abnormalities, he will tell you what to do or how to do it? For example, refractive error, health notice, please pay attention to eye hygiene, prevent eye fatigue, check your vision regularly, and optometry and glasses for those who are not corrected.

1. What is health notification? Health notification means that when applying for insurance, the insurance company will ask the policyholder to fill out a health questionnaire and truthfully inform the insurance company of his physical condition according to the questions in the questionnaire.

Health advice must adhere to the principle of integrity, and we will answer whatever the insurance company asks.

2. What happens without health notification? If you have symptoms of high uric acid, it is recommended that you must tell the truth when you buy insurance, if you do not tell the truth, the following consequences may occur:

1) After the occurrence of the disease, you cannot get the insurance company's claim.

2) In addition to not receiving compensation from the company, the insurance contract may be terminated because the policyholder has not fulfilled the obligation to truthfully inform the policyholder at the time of purchasing the insurance.

The above situation will lead to our failure to get compensation in case of insurance, increase our burden, and the gains outweigh the losses.