What should I do if I don t fill in the insurance personal information notice truthfully? 30

Influential. Article 16 of the Insurance Law stipulates that if the insurer becomes aware of the reason for termination, it shall be extinguished if it is not exercised within 30 days. If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract.

In order to avoid being terminated in the event of an insurance accident in the future, you can take the initiative to inform the insurance company in writing of the misfilled information now, and keep the mailing documents and delivery confirmation information. If the insurance company does not release it within 30 days after the delivery, then it is OK, and if the insurance company cancels it within 30 days after the delivery, it will at least avoid the occurrence of greater losses.

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? 》

If you don't tell the truth, the insurance company may deny the claim. Therefore, the subject still has to fill in the health notice truthfully according to the actual situation.

Health notification is a health survey conducted by an insurance company on a customer, including past illnesses, personal lifestyle habits, smoking and drinking, etc. It is a very important part of the insurance contract. This is related to whether your insurance content is effective, whether the insurance can be claimed normally, etc., 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 your health condition is too serious, 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.

The current domestic health notice can be filled in according to these three points: 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, it is recommended that you read this article carefully before purchasing insurance

How to apply for insurance with illness? Five Easy Steps".

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

When the intelligent underwriting is not passed, you can choose manual underwriting, a manual underwriting risk assessment is more accurate, and you can also give more detailed conclusions to complex problems"The insurance products suitable for sub-healthy people are here".

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. Friends who have a misdiagnosis experience should remember to tell the insurance company, because the misdiagnosis is also recorded by the hospital, not to mention that it may be considered as concealing health problems.

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

There must be an impact, and the insurer can terminate the insurance contract if it is not truthfully informed.

After two years, it won't matter.

If the insurance health notice is not truthfully informed, the insurance company will refuse to make a claim and will not refund the premium paid on the grounds of deliberately concealing the health status of the insured.

Health notice means that the insurance company requires the customer to fill in the health notice form when accepting the customer's insurance application, that is, a description of the health status of the insured.

According to the physical health status of the customer, the insurance company classifies and screens the expected mortality, disability rate, morbidity rate and other expected incidence of insurance accidents of the customer, and then decides whether to underwrite and the underwriting conditions, that is, the impact of the physical condition on the future is the focus of consideration.

Therefore, the outcome of the health notice determines whether the insurance company can underwrite it, what the coverage conditions are, and whether the claim can be settled smoothly after the accident. Moreover, the process of health notification is also a process of having a clear understanding of one's own physical condition.

China's "Insurance Law" stipulates: "If the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when entering into an insurance contract, the policyholder shall truthfully inform the insurer." "If you don't tell the truth when you apply for insurance, there are three things that will happen:

Article 16 of the Insurance Law: "If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as stipulated in the preceding paragraph, 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 contract"; "If the policyholder deliberately fails to perform the obligation to inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium"; "If the insured fails to perform the obligation of truthful notification due to gross 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 contract, but shall refund the insurance premium for the friendly change." In other words, if you do not tell the truth, the insurance company may compensate you, but it may also terminate the contract, and it may refund the premium without compensation, and it is more likely that it will neither compensate nor refund the money.

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

If the policyholder does not truthfully inform and the matters that are not truthfully informed are directly related to the content of the insurance, then the insurance company canDenial of payment, andTermination of the insurance contractIt's okayPremiums are non-refundable

From this point of view, if the health notice is not filled out truthfully, the consequences are very serious. Here are some tips for health advice, hurry up and bookmark:What are the tips for health notification when applying for insurance?

So, let's talk about this with you today!

First of all, why do we need to make honest health disclosures?

Here's a more detailed explanation of the problemIs the health notice of the insurance company making it difficult for us?

With the development of the times, the process of buying insurance online is becoming more and more simple, and many insurance companies have turned the pre-insurance health survey into a few simple questions in order to save costs, as long as they are confirmed to be correct, they can apply for insurance. Where:

1.If you are not diagnosed or you don't know that you have a physical problem, you don't know if you don't tell the truth.

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 notification is responsible for oneself, and buying insurance is also for peace of mind, if you are still worried about the problem of claims after buying insurance, then it is meaningless to buy insurance.

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

Health notification is an inquiry by the insurance company about the health status of the insured, and it is a very important content when purchasing insurance. This is related to whether the content of the insurance can be effective, whether it can be claimed normally, only through the health notice can you buy insurance, different insurance companies have different requirements for health conditions, the content of the inquiry is also different.

If you do not truthfully inform your health condition, when the situation is not very serious, you can not surrender the policy, you can just submit a supplementary underwriting to the insurance company, and the insurance can continue to be valid.

If you do not tell us more about your medical condition, the insurance company may exercise the right to terminate the contract according to the provisions of the Insurance Law, and may not refund your premium.

When you fill in the health notice, you can write according to these three points: what to ask and what to answer; No questions or answers; Think about it before you answer. If you have some minor health problems, it is best for you to read this article before buying insurance:

"Only 5 steps to apply for insurance with illness".

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

If you fail to pass the smart underwriting, you can go for manual review again, because manual underwriting is more accurate and flexible. If you can't pass the manual underwriting, you have to change a product, and replace it with those products whose health notices are not so strict, I screened some products that are looser in health notices, and you need to be able to collect:"Top 10 Popular Insurance Products Worth Your Planting".

Tips:

2. If you have been misdiagnosed, remember to tell the insurance company. Otherwise, it will affect your insurance coverage.

If the insurance company does not know the truth, the insurance company has the right to terminate the contract within two years. If it exceeds two years, the insurance company shall not fail to perform its compensation obligations on the grounds that it did not truthfully inform at the beginning.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid the lack of insurance"pits"