The baby was hospitalized because of jaundice, but he didn t tell him when he bought the insurance

Hello, after the baby was admitted to the hospital, I went to buy insurance, and did not inform the insurance company, it is a sick insurance, and the insurance company will not compensate you if it finds out.

Related information. Sick insurance, in simple terms, means that the policyholder applies for insurance when he or she is suffering from illness or illness of the insured.

When applying for insurance, insurance companies often need to provide a medical examination form to confirm the customer's health status before they are allowed to apply for insurance. However, in some cases, it is possible to apply for insurance with illness, as long as you truthfully inform the insurance company of the insured's physical health and disease history at the time of application, and fill in the policy application form.

The health questionnaire in is fine.

There are generally five types of coverage outcomes for sick insurance:

1.Normal coverage: After you take out the insurance policy while you are sick, the insurance company will still cover you as normal.

2.Premium-based underwriting: After applying for insurance with illness, the insurance company will cover you only if you need to increase a certain percentage of the premium on top of the normal premium due to your physical health condition.

3.Exclusions: After taking out the insurance with illness, the insurance company will agree with the policyholder that some specific diseases will not be covered, and other conditions other than specific diseases can be covered normally.

4.Deferred underwriting: Because the customer is insured with illness, the health status is unknown, and the insurance company needs a certain amount of time to observe, and then decide whether to underwrite after the observation is confirmed, which is deferred underwriting.

5.Denial of coverage: Of course, when a customer is sick and insured, he or she may also be denied insurance by the insurance company due to his physical health condition, because the risk has exceeded the insurance company's tolerance.

Sickness insurance surrender premiums.

Sick insurance is in the cooling-off period.

If the insurance company surrenders the policy, the insurance company can refund the premium, and usually only charge 5-10 yuan for the production cost.

If you voluntarily surrender the policy after the cooling-off period, only the cash value of the insurance will be refunded.

If the insurance company finds out that the insurance company is sick, the insurance company has the right to terminate the insurance contract and not refund the premium.

Hello, generally in the health notice of the insurance will ask about hospitalization, especially in the later inquiries about pre-existing conditions, are required to be informed, if not informed, once the claim needs to be claimed, the insurance company will refuse to tell the truth. If the child's mother is in good health, she may wish to inform her so as not to be upset, in case the underwriting is not ideal, the child will have the opportunity to insure other products, and buying insurance is to buy peace of mind.

I don't think so, the baby's jaundice has been **, there is no need to tell.

As long as we tell the insurance broker about the disease that is **yet**.

Yes, the baby was hospitalized for jaundice, and he was hospitalized, but he didn't buy insurance, and he didn't tell him, of course, he was sick and insured, so the insurance company will not compensate for it.

If you have a pre-existing medical condition, inform the insurance company at the time of application, and the insurance company agrees to underwrite it, then you can pay for the recurrence of the disease.

If you do not know your medical history at the time of application, you will not be able to pay for the recurrence of the disease.

Article 17 Mo Youji: When concluding an insurance contract, the insurer shall explain the terms and contents of the insurance contract to the policyholder, and may make inquiries about the subject matter of the insurance or the relevant situation of the insured, and the policyholder shall truthfully inform the policyholder. If the policyholder deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the insurance contract is dissolved, and the insurance premium shall not be refunded. If the insured fails to perform the obligation of truthful notification due to negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

In medicine, jaundice in newborns before the first month (within 28 days of birth) is called neonatal jaundice, which is one of the most common clinical diseases during the neonatal period.

Physiologic jaundice: related to the characteristics of bilirubin metabolism in neonates, 60% of full-term infants and 80% of preterm infants can have visible jaundice in the first week of life, and it generally resolves in 7 to 10 days in term infants and 2 to 4 weeks in preterm infants.

Pathological jaundice: common causes are neonatal hemolytic disease, neonatal infection, biliary tract malformations and neonatal hepatitis. When pathological jaundice is severe, it is likely to develop into "kernicterus" that damages the nervous system of newborns and can even cause death.

Underwriting recommendations: Physiological jaundice: full-term infants, can be covered according to the standard body; Premature babies need to be deferred.

Pathologic jaundice: to be evaluated according to **. If there are others**, it is generally necessary to postpone; If it returns to normal and no more**, it can be covered on a standard basis.