Do I need to inform when I buy insurance?

For insurance consumers, if they do not cooperate with the first person to do a good job of health notification, they are digging a hole in their own insurance policy and will not be able to get compensation in the future. Continental region.

Most critical illness insurance.

There is no distinction between smoking and non-smoking groups. As we all know, you have to be in good health to buy insurance, otherwise you can't buy it. In particular, buy life insurance and critical illness insurance.

Medical insurance, which is based on the physical health of the insured, has stricter requirements for health notification. However, this is not necessarily a good thing, because such an insurance company may use a combined rate pricing, depending on the sensitivity of the product, and one of the disadvantages of using a combined rate is that it may lead to non-smokers getting cheaper rates from other companies, resulting in an imbalance in the policy portfolio, which will make the proportion of smokers unbalanced. In general, market practice tends to favor differential rates, i.e. smokers add some premiums accordingly, and non-smokers add standard premiums, so this should be advised.

1.I am buying a variety of business insurance.

When you buy sickness insurance and critical illness insurance, the insurance company will ask you if you have any diseases, whether you have been hospitalized before, traumatic experience, and whether you have a history of smoking and whether you are smoking now. The insurance requirements for smokers and non-smokers are only those of the CIRC.

Encouraging differentiated pricing may affect the insurance cost of smokers, and may also reduce the insurance cost of non-smokers, so many smokers play a clever trick when buying insurance, obviously they smoke but fill in their own smoking history. I think this premium will not **.

2.If something goes wrong, after the insurance company reviews the records, they will immediately make a decision to refuse the claim, and it is so reasonable and legal.

3.In general, the harm caused by smoking is very large, if you have a long-term smoking age, then you must tell the truth when you buy insurance, otherwise you are likely to be rejected by the insurance company when you make a claim later.

4.Health notification is a process for consumers to truthfully disclose their physical conditions in accordance with the health questionnaire designed by the insurance company when applying for insurance.

Because the insurance company needs to make a decision about the death or critical illness of the insured in the future according to the health status of the insured.

The insurance company does not pay the money to underwrite, but also selects the customer. Therefore, it is important to tell us about your smoking status.

Yes! My friend worked in Duobaoyu, and I wanted to buy insurance at that time to learn about him, because I am an old smoker who has smoked for many years, and my friend told me that this must be told when buying insurance, because the probability of a smoker suffering from a critical illness is higher than that of a non-smoker, and the natural risk is greater, and the insurance company will require the truth to be informed. When you buy insurance, try to ask what to tell and don't hide anything.

When applying for insurance, the insured has a health notice, and the health notice has a detailed notice about smoking and drinking, and it is recommended to inform it, of course, for the sake of health, it is best to quit smoking.

When purchasing insurance, health notification will be carried out, and the insurance company will also verify whether the insured has smoked or not, and determine whether the insured needs further physical examination according to the situation.

If you skip this link and the insured conceals her smoking, there is an act of insurance fraud, and the insured fails to fulfill the responsibility of truthfully informing him, and is likely to be rejected by the insurance company in the future insurance claim process.

Therefore, for smokers, they must truthfully inform the insurance company of their health status when purchasing insurance, which is not only responsible for themselves, but also to avoid disputes when making insurance claims in the future.

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

Definitely can buy it. But I still have to listen to the issue of smoking and insurance that many male friends of Baibaojun are concerned about today.

First of all, we know that there is a health notice when you apply for insurance, and he will ask you if you smoke more than 20 cigarettes a day, or if you have been warned by a doctor to quit smoking because of physical reasons.

If the number of cigarettes smoked per day is greater than 400, this is considered excessive smoking. You need to apply for underwriting at the time of application. If you smoke no more than 20 cigarettes a day and have no other physical problems, you can be insured normally.

Otherwise, it is an additional insurance, and the worst is a refusal to insure. It should be noted that the premium for smokers is more than twice that of non-smokers at the same age and with the same sum insured, because tobacco increases cancer and heart disease.

Risk of stroke and a variety of high-incidence diseases. Therefore, Bai Baojun suggests that you should quit smoking as soon as possible, and if you can't quit, you should gradually reduce the number of cigarettes.

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

For those who smoke regularly, Senior Sister recommends giving priority to critical illness insurance and medical insurance, and if you want to improve protection, you can also buy life insurance and accident insurance to deal with the economic risks caused by death and accidents.

For those who don't know about these four major types of insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

There is no doubt that smoking causes serious harm to human health, and studies have shown that smoking is associated with deaths from at least 11 types of cancer, including lung cancer, and the incidence of long-term smokers is 10 to 20 times higher than that of non-smokers. Therefore, people who smoke regularly need the protection of critical illness insurance. If the insured suffers from a critical illness that meets the contractual criteria, a lump sum payment will be paid.

This benefit is discretionary and can be used by the insured person to treat illness or to support the family.

2. Million medical insurance.

Million medical insurance can be used as a supplement to medical insurance, reimbursement of the scope that medical insurance can not cover, smokers are more likely to get sick, often need to run to the hospital, and million medical insurance can be reimbursed for reasonable medical expenses caused by illness, and the insured also has the opportunity to enjoy better medical resources. Therefore, it is recommended that people who smoke a lot must buy million medical insurance.

3. Accident insurance.

Accidents are everywhere, no matter what age group, you need to configure an accident insurance, which is not only to protect yourself, but also to give your family peace of mind.

4. Life insurance. According to research, people who smoke regularly, usually have a shorter life span than non-smokers, and the death rate is higher.

Hello, smoking is bad for your health and I want to quit as soon as possible. The insurance plan of young people should first participate in social security, and then consider some commercial insurance to supplement. Accident insurance, health insurance and pension insurance are considered in commercial insurance.

Here is a recommendation for you, there are currently as many as 15 insurance company products, you can compare products and choose the right insurance for you. Alternatively, you can call 4006788618 and we will recommend the right insurance for you. Here are some recommended comprehensive plans for your reference:

Huatai "Golden Life" comprehensive accident insuranceIt covers high-value accidental injury, accidental medical treatment, and transportation protection, which is suitable for business travelers who often travel for business.

1. 500,000 yuan for general accident insurance and 50,000 yuan for accident medical insurance;

2. Aviation accident insurance is up to 2 million yuan, and train, ship and automobile insurance is 500,000 yuan;

Allianz Health Cancer Insurance Plan

If you often like to smoke, then the damage to our lung health is relatively large, here it is recommended that you buy critical illness insurance and medical insurance to transfer the economic loss caused by the disease.

In addition, if you still want to improve your protection, you can choose to buy accident insurance and life insurance products to protect yourself.

If you don't know much about the types of insurance mentioned above, you can also take a look at this detailed introduction: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

In general, smoking can affect the purchase of insurance.

We all know that smoking is harmful to our health, with the potential to damage the nervous system, cause cardiovascular diseases, respiratory diseases, lung diseases, and more.

Then, under the premise that the probability of illness among smokers is high, in order to control the risk of claims, the insurance company will naturally pay attention to whether the insured has a smoking habit.

Friends who have bought insurance or are buying insurance should know that most insurance products on the market require health notification from the insured, and it is very common for "whether the company has bad lifestyle habits such as drinking and smoking".

Although the insurance company will determine whether and how to underwrite based on the information disclosed in the health notice of the insured, you should not hide the facts for fear of being denied.

Even if you are successful in applying for insurance, the insurance company will have a valid reason not to pay the insurance benefits due to subsequent insured accidents such as smoking-related illnesses or accidents.

If you want to protect your illness, but you can't buy critical illness insurance and medical insurance, you can also try to buy cancer insurance or cancer prevention medical insurance.

This type of insurance is specifically designed to cover cancer, with a low threshold and a relaxed health notice.

The senior sister wrote a popular science about cancer insurance, interested friends can take a look:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluationHope.

When purchasing insurance, you will fill in a health notice, and some products will ask if you have smoking habits. If you successfully apply for insurance after concealing your smoking, it involves insurance fraud, and the insurance company will generally not make a claim if you are insured due to smoking. And if the circumstances are serious, you may face jail time.

Therefore, it is best to tell the truth before buying insurance.

In addition, for those who don't know much about what health notice is, you can take a look at this:Is the health notice of the insurance company making it difficult for us?

In fact, if you don't smoke very badly, you can still try an insurance product with loose health notices or intelligent underwriting.

For example, Junlong Xiaoqinglong Children's Critical Illness Insurance (Internet), the content of its health notice is "whether you have a smoking habit, and smoke for 400 years (branch years = daily smoking number of smoking years)", if this standard is below, you still have the opportunity to apply for this insurance product.

If you are more interested in the above-mentioned insurance, you can click this link for details:I heard that Junlong Xiaoqinglong Children's Critical Illness Insurance has comprehensive protection? After reading the article, let's talk about it!

Finally, what the senior sister wants to tell you is that there are also skills when filling in the health notice. Through these tips, we can easily pass the health information, and if you want to know what these tips are, you can take a look at this:What are the tips for health notification when applying for insurance?

That's all I have for this question, I hope it helps you guess the match! Hope.

So will smokers' insurance be affected?

In fact, the standard of insurance company verification and pricing is ultimately the health status of the policyholder. If a smoker is insured and his or her health is affected by long-term smoking, the premium may be increased if it is detected in a medical examination before applying for insurance.

When applying for insurance, individuals should truthfully fill in their health status, including whether they smoke, how long they smoke and how many cigarettes they smoke, and the insurance company will judge the customer's comprehensive health status and decide whether the customer needs a physical examination. The insurance company will consider it based on the health notice when determining the premium, but it may not be directly linked, and it will still be based on the medical examination status.

According to the different risk levels of different groups of people, insurance companies give different premium pricing, which is fair and responsible for both healthy and unhealthy people. Insurance companies follow objective data when pricing insurance products, and the medical clinical data of large numbers of people prove that the incidence of specific diseases in smokers is indeed greater than that of non-smokers, and the expected mortality rate is much higher than that of non-smokers.

Although it is known that some insurance companies have stricter underwriting or surcharges for smokers, they are not strong enough. Insurance products should have stricter regulations when subdividing consumer groups, which in a sense also helps to carry out tobacco control.

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