I don t think I m healthy anymore, so what s the matter?

If it is a life insurance, it is recommended to renew the policy, otherwise the previous money will not be refunded, if it is a short-term annual payment, just tell the truth, and stop if you don't pay the money.

Insurance is all about providing a cover. No one can guarantee that they will not get sick or be hospitalized. Just like car insurance, you may not be able to use it if you buy it, but when you drive on the road every day, no one dares to say that there will be no accidents, you don't hit others, and others hit you is also an accident.

There are also many accidents and unilateral accidents.

If you think that you are very healthy and do not need to renew your policy, you can directly say that your current financial conditions or other reasons are not suitable for renewal.

I'm healthy, I don't need to eat enough, how can I? Health is continuous, developmental, and a lifelong thing, so it's very important. You don't want to renew your policy, you can apply to your higher authority.

I felt that I was healthy and didn't need to renew my policy, so I told him directly. In good shape. Buying insurance is even more protection.

I already have a lot of this insurance, I don't need this insurance anymore, I don't need to continue to pay premiums, I can surrender the policy.

The country's five insurances and one housing fund should still be adhered to, when you are not sick, you must think about when you are sick, when you are young, you must think about when you are old, as for commercial insurance, if you don't renew it, it won't be renewed, that doesn't matter.

If you don't get sick, what if you get sick again? What to take**? Therefore, it is necessary to renew the insurance to have a certain guarantee.

If you feel healthy, you will be examined by the hospital. Nowadays, many people are sub-healthy, life is not easy, and the pressure is very high, so it is not recommended to surrender the policy.

If you don't want to renew your policy, you can just think about it yourself and express your thoughts truthfully.

I don't think I'm healthy anymore, so what's the matter? Although I think you are healthy, if you have renewed the bag before, you must stick to it now.

I think I'm excused that I don't need to renew the policy, why do you have to communicate with people about this.

Yes, because no one can guarantee whether the health will be better in the future.

There is no guarantee that you will not get sick, so health insurance is a constant requirement for everyone. But as you get older, the premiums for health insurance keep increasing; In addition, when you reach a certain age, you must undergo a medical examination, and if you are in poor physical condition, you may be charged an increase or even denied insurance. However, as long as the policy is renewed, there is no need to worry about being denied insurance, even if you suffer from a critical illness and get a claim, you can still apply for renewal, and the insurance company must underwrite it.

Because of the uproar, it is very important to ensure the renewal of the policy. It is important to remind everyone that although some health insurance policies are clearly marked with a "guaranteed renewal" clause, it does not mean that the insured can automatically enjoy the right to renew. Due to the high risk, insurance companies make different regulations on the renewal conditions of health insurance, and some companies stipulate that the policyholder can only guarantee the renewal of the policy if there is no illness payment for 3 or even 5 consecutive years.

In addition, there is an age limit for guaranteed renewal of health insurance, for example, some insurance companies require the maximum renewal age to be 64 years old, that is, the insured can be protected up to the age of 64 with the right to guaranteed renewal.

What should I pay attention to when applying for health insurance?

In the specific purchase process of health insurance, in addition to the guaranteed renewal clause that needs to be paid attention to, there are also the following points that need to be paid special attention to: First, the waiting period clause. Health insurance generally has a waiting period, the period is 30 days, 90 days, 180 days, etc., and the insurance company will not pay for the insurance during the waiting period.

The second is the deductible. Medical insurance generally has a certain deductible, in other words, if the medical expenses incurred do not exceed the deductible, the insurance company will not pay, if it exceeds, then the part that exceeds the deductible will be paid. Therefore, you should choose a health insurance product with a low deductible.

The third is the content of guarantees. Especially for critical illness insurance, don't blindly seek perfection, but focus on which critical illnesses can be covered. To sum up, when Zhichong specifically configures health insurance products, it is necessary to pay special attention to the guarantee renewal clause and choose the appropriate type of insurance according to your actual situation.

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

Arnold answers: Hello!

The renewal guarantee is related to the protection rights and interests of the insurer before the leakage, and understanding the relevant terms before applying for insurance can avoid unnecessary troubles in the future, and also help to better realize the protection function.

Xiaonuo reminds you that when buying health insurance for your father, you should pay attention to whether this insurance contains *** renewal clause. Because of risk control, most of the insurance company's short-term medical insurance does not promise to guarantee the renewal, if the insurance product cannot be renewed, the policyholder within the insurance period of the insurance liability accident, after the insurance company pays, you can adjust whether to continue to underwrite for the policyholder. The elderly are at high risk of illness, and ensuring the renewal of insurance is conducive to avoiding the financial risks brought by illness.

Xiaonuo hereby recommends Evergreen Life Insurance, which is a lifelong protection plan for people aged 55 to 75, you are welcome to log on to our official website to learn more about the product details, or you can call 400-880-3633 for consultation, thank you!

1. What is health insurance?

Health insurance, also known as sickness insurance, is when you are sick or disabled or even die due to illness or accident (not to curse you, people have good fortune and bad luck!). ）。Your ** expenses, or loss of income due to disability, death, or inability to work due to illness or injury.

The insurance company has to pay you money.

2. Is it necessary to buy health insurance?

This type of insurance covers medical expenses incurred in the event of illness or accident, as well as loss of income due to the illness or accident. The former is called Medicare, and the latter is called Disability Income Compensation Insurance.

At present, the main types of health insurance are: general medical insurance; Surgical medical insurance, hospitalization medical insurance, hospitalization subsidy insurance, accidental injury medical insurance, special disease medical insurance, disability insurance, etc.

Now, it costs a lot of money to stay in a hospital and see a doctor. It is still necessary to have the right health insurance for you!