Critical illness insurance health notification for anemia, critical illness insurance health notific

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

The health notice of critical illness insurance generally mentions aplastic anemia, and the subject can inform it according to his or her actual situation. Here are some tips for health advice.

Health notification is a questionnaire for insurance companies to obtain the health status of the insured, which is an important part of insurance. This is directly related to whether the insurance can make a normal claim, and different insurance companies have different requirements for health conditions and the content of the inquiry is also different.

If you have concealed something when filling in the health notice, and the circumstances are not serious, you can apply to the insurance company for supplementary underwriting.

If you conceal it too much, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract, and some insurance companies may treat you as a surrender and give you some cash value. But they also have the right not to return a penny.

At present, the domestic health notice can be answered according to these three points: what to ask; No questions or answers; Think about it before you answer. If you have some minor physical problems, it is recommended that you read this article carefully before purchasing 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.

Suppose you fail to pass the intelligent underwriting, you can directly change the product or try manual underwriting, because the accuracy of intelligent underwriting is not as high as that of manual underwriting, if the manual underwriting can not pass, then you can only buy those insurance products that are not so strict with health requirements, here are some products with less high health requirements, you need to be able to collect:"Health advice for these products is not a problem".

Friendly suggestion

1. It is best not to go to the hospital for a physical examination before applying for insurance, you just need to tell what you know.

2. If you have a misdiagnosis experience, you must inform the insurance company, which will affect your insurance content.

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

I can buy it. Inflammation is not a big deal. Is severe anemia always present?

Inflammation can be left untold, and if anemia is long-term, it is best to be informed, depending on the underwriting results of the insurance company. Critical illness insurance should not be a big problem, and medical insurance can only depend on the underwriting results of the insurance company, which may exclude hospitalization with severe anemia**. If it is covered normally, it can be reimbursed.

If you need to help you try it in your insurance company, there are more than 70 life insurance companies across the country, some of which are underwritten loosely and some are strictly underwritten.

I believe that many friends are entangled in whether to inform their health before applying for critical illness insurance? Do I need a medical check-up? What do I need to know?

It is normal to have these doubts, because critical illness insurance is different from other insurances, and its health notice is generally stricter, and it has higher requirements for the physical health of the insured.

However, although the health notice of critical illness insurance is relatively strict, what to inform is also based on the situation.

1. Do I need a medical examination to apply for critical illness insurance?

Generally speaking, if the insured person has no major health problems and does not have any medical treatment and medical examination records before applying for critical illness insurance, then it is best not to go for a medical examination. And if there is a major physical problem before taking out critical illness insurance, then it is still necessary to go for a physical examination.

When a general consumer buys health insurance, the health notification of the product is based on the physical examination and medical records of the insured in a regular medical institution. If the insured is in good health and has not left medical treatment and physical examination records in any hospital physical examination center before applying for insurance, then the insurance company's health notice review will consider the insured person to be in good health and meet the insurance requirements.

2. How to inform about health, do I need to inform all of them?

The general health notice requires the insured to inform whether the insured has any pre-existing conditions and family medical history, etc., and if he has already had a medical examination, the insurance company will evaluate whether the insured person has truthfully informed him or not based on the medical examination report.

If you don't know about truthful information, you can take a look at "If there is no truthful notification, can the insurance company not pay compensation?" This article.

In general, health notification can be made in accordance with the following conditions.

1. The abnormal items in the physical examination report have little impact on health.

2. Multiple physical examination reports.

If the insured person has undergone multiple health check-ups before applying for insurance, the most authoritative hospital or the most recent medical check-up report shall prevail at the time of health notification.

Health notice, simply put, is a questionnaire that the insurance company does for your health status when you apply for insurance.

As shown below, this is the health notice of a certain medical insurance:

In addition, health notification is an important basis for insurance companies to decide whether to underwrite and settle claims, and they must be truthfully informed, otherwise it may cause hidden dangers to subsequent claims and even be rejected by insurance companies. Be honest and remember!

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? 》

The health notice is a survey of the health of the insured by the insurance company, and all insurance policies are mandatory. The insurance company will only allow you to buy it if you have passed the health notice, and different insurance companies have different requirements for health conditions and the content of the inquiry is also different.

If you do not tell the truth, when the circumstances are not serious, you can choose to declare to the insurance company for supplementary underwriting, so that the protection is still effective.

However, if the concealment is serious, according to the provisions of the Insurance Law, the insurance company has the right to refuse to settle the claim and terminate the contract.

When filling out the health notice, you should follow these three answers: what to ask; No questions or answers; Think about it before you answer. If your physical condition is worse than normal, it is best for you to read 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.

Suppose you fail to pass the intelligent underwriting, you can directly change the product or try manual underwriting, because the accuracy of manual underwriting is relatively large, and the flexibility is relatively high"Big Ranking of Insurance Products with Low Health Requirements".

Friendly reminder

2. If you have been misdiagnosed before, be sure to tell someone from the insurance company. Because misdiagnosis will also be recorded by the hospital, it may affect your coverage.

Although some critical illness insurance does not require a medical examination at the time of purchase, it is necessary to truthfully fill in the health status of the insured at the time of purchase. There are usually the following situations:

1. If the failure to truthfully inform intentionally or due to gross negligence is enough to affect the decision on whether to agree to underwrite or increase the insurance rate, the insurance contract shall be terminated.

2. If you deliberately do not tell the truth, the insurance company will not be liable for the payment of insurance money and will not refund the insurance premium for the insured accident that occurred before the termination of the contract.

3. If the failure to truthfully inform due to gross negligence has a serious impact on the occurrence of the insured accident, the insured accident that occurred before the termination of the insurance contract may not be liable for the insurance money, and only the insurance premium will be refunded.

Generally speaking, there are 7 types of critical illness insurance health notices, and category 1 is BMI, and the common form is to ask about height and weight. Category 2 is pre-existing conditions, past medical history, and the common form is to ask if you have had or been told to have the following diseases and symptoms. Category 3 is family history, which is commonly used in the form of asking other members of the Insured Family's family if they were diagnosed with certain malignancies before the age of 60.

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Category 4 is congenital disease, and the common form is to ask if you have a congenital condition. Category 5 is a history of present illness, which is commonly used in the form of asking whether the insured person is suffering from certain diseases or symptoms. Category 6 is lifestyle, and the common form is to ask the policyholder whether he smokes or drinks alcohol.

Category 7 is records of claims, refusals, etc.

If you have any questions, you can consult Camel Planning. Camel Planning has a team of senior consultants and experts in the industry, and truly recommends products suitable for users objectively from the perspective of users. There are also technical experts from well-known Internet companies who use big data, cloud computing and artificial intelligence to help users scientifically configure security solutions; There is also a complete and powerful claims assistance team, the team members are senior experts who have been engaged in related fields of the industry for more than ten years, involving claims, law, underwriting, medicine and other fields, so that users can claim insurance without worry.

There are 7 situations that will be asked in the health notice of critical illness insurance, one is BMI.

The main thing is to ask about height and weight.

The second is pre-existing conditions and past medical history, which mainly asks if you have had or been told to have diseases and symptoms, mainly major diseases and chronic diseases.

The third is family history, asking if other members of the insured family's family were diagnosed with certain malignancies before the age of 60.

Wait. The fourth is congenital disease, ask whether you have a congenital disease.

Fifth, a current medical history, which will ask if you are suffering from certain diseases or symptoms.

Sixth, lifestyle, mainly ask the insured whether they smoke and drink.

Seventh, the insurance company's insurance situation, including whether there is an application for compensation and the refusal to insure the insurance.

Extended Information: Critical Illness Insurance.

It refers to specific major diseases handled by insurance companies, such as malignant tumors, myocardial infarction, and cerebral hemorrhage.

When the risk occurs, the insurance company shall pay the insurance premium according to the insurance contract after the insured reaches the critical illness status agreed in the insurance clause.

Behavior. From February 1, 2021, insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased.

For the first time, the new regulations on critical illness insurance introduce the definition of mild disease, which includes malignant tumors and acute myocardial infarction.

The three core diseases of sequelae of stroke are divided into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the insured amount that can be claimed for these three mild diseases is determined to be 30% of the total sum insured.

Critical illness insurance was established in South Africa in 1983.

It was surgeon Marius Barnard who first came up with the idea of this product. His older brother Christine.

Barnard was the first doctor in the world to successfully perform a heart transplant. Dr. Marius found that after performing a heart transplant, some patients and their families were already in financial difficulties and could not sustain follow-ups. In order to alleviate the financial pressure on the insured in the event of a critical illness or major surgery, he worked with an insurance company in South Africa to develop critical illness insurance.

After 1986, critical illness insurance was successively introduced into the United Kingdom, Canada, Australia, Southeast Asia and other countries and regions, and has developed rapidly.

In 1995, critical illness insurance was introduced in the mainland market, and has now developed into an important protection product in the life insurance market. In the process of development, the scope of protection has gradually expanded, and the protection function has become more and more perfect, but the design concept of this type of product has continued to this day.

Health notification is required to buy critical illness insurance. And not only critical illness insurance, but also health insurance such as medical insurance, life insurance, and cancer insurance are all subject to health notification. The health notice is not a deliberate attempt by the insurance company to make things difficult for us, but an attempt by the insurance company to prevent someone from deliberately cheating the insurance policy.

Some people may have been sick before applying for insurance, and they want to buy an insurance policy and can make a claim, and the insurance company has set up a health notice when applying for insurance in order to prevent this situation.

There is another reason, different people have different physical conditions, that people with physical problems must have a greater risk probability than people without physical problems, but the premiums are the same, so the insurance company sets up health notices, and gives different underwriting results for people with different health conditions.

Therefore, customers should be truthfully informed when applying for insurance, and whether they are truthfully informed will affect whether they can get the claim smoothly in the later stage, because the insurance company finds that the customer has not informed, and there is a reason not to make a claim and not to refund the premium.

Test your anti-risk index, experts will interpret it for you for free!

Summary. The place where the horizontal line is is the name of the disease, which should represent the disease that existed before the insurance was purchased or the indicator of the corresponding disease.

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The health notice will be different for each critical illness insurance policy, so it is recommended that you read the health notice carefully and tell it truthfully.

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

Can you help me see what I mean by the horizontal line.

The place where the horizontal line is is the name of the disease, which should represent the disease that existed before the insurance was purchased or the indicator of the corresponding disease.

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