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Anonymous users2024-02-08In order to control the risk, the insurance company will inquire about the health of the insured and require the customer to fill in the health notice, and if the requirements are met, the insurance company will underwrite normally. How to deal with the health notification requirements of insurance companies, I recommend this article:What are the tips for health notification when applying for insurance?
1. Do I need a physical examination to buy insurance?
You don't need to go to the medical examination before applying for insurance, but you must tell the truth. Most of the mainland insurance is based on the principle of "limited notification", which is simply understood as what to ask and what to answer, and there is no need to inform if you do not ask.
Without a physical examination, you don't know about the minor problems that may have occurred in your body, and there is no need to inform the hospital if there is no record; However, once the medical examination and the hospital have a record, you have to tell the truth, which is likely to affect the underwriting result.
2. Under what circumstances will I be required for a medical examination?
1.The basic situation of the customer is not up to standard:For example, he is older, obviously overweight, and has a long-term habit of smoking and drinking.
2.Presence of past medical history:If the insured person has a history of illness or hospitalization, the insurance company will verify it through a medical examination.
3.High Sum Insured Policies:In general, the amount of exemption from physical examination for life insurance is 2 million, while the amount of exemption for most critical illness insurance is 500,000.
4.People who were randomly drawn:Insurance companies will also randomly select some customers to participate in physical examinations, which is also a means of risk control, but this probability is very low.
3. Which insurance health notices are relaxed
Generally speaking, the strictness of health notification is: medical insurance, critical illness insurance, life insurance, and accident insurance. The underwriting of medical insurance and critical illness insurance is relatively strict among the four major types of insurance, and most of the medical insurance on the market is a one-year product, so it is recommended to choose a product with better renewal conditions, preferably to protect the renewal, or the renewal of medical insurance that does not need to be reviewed, such as these:
"Top 10 [Excellent Renewal Conditions] Million Medical Insurance Points! 》
The underwriting of critical illness insurance is also relatively strict, and it is a long-term protection, the sooner you buy it, the better, for two reasons: 1. While you are young and healthy, 2. The sooner you buy it, the lower the premium. If you have a minor illness in your body, you can take a look at these health notices for loose critical illness insurance:
"Top 10 [Health Notification Relaxation] Critical Illness Insurance Points! 》
The health notice of life insurance is relatively relaxed, and it can generally be insured without any major problems.
Buying accident insurance usually does not require health notice, but it will require that the insured person is in good health and can work or live normally, if the insured only has high blood pressure, diabetes or slight disability, it will not affect the insurance accident! Hope!
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Anonymous users2024-02-07AIA's critical illness insurance, no medical examination is required for the sum insured below 1 million. Moreover, the medical examination insurance amount will be cleared to 0 every six months, so if you buy 1 million insurance every six months, you don't need a physical examination.
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Anonymous users2024-02-06Depending on how much insurance you need, we can do 1.5 million free of medical examination in our company.
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Anonymous users2024-02-051.The range of choices is relatively wide for the appropriate age of purchase.
2.The expenditure of family premiums should be 10%-15% of the annual income of the family, and the sum insured should be set at 6-10 times of the annual income of the household. However, it should be analyzed on a case-by-case basis.
5.Under the premise of social security, we plan commercial insurance, focusing on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.
6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.
7.It is important to prioritize the protection of the main income earners of the family as much as possible.
8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.
9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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