How important is health notification and what is the significance of health notification?

Because health notification is related to the subsequent claim settlement of insurance, both the policyholder and the insurance company attach great importance to this link.

Daddy has always suggested that health advice should comply with the "principle of maximum integrity", and truthful disclosure is beneficial to both parties. So what exactly is the duty to tell the truth? It is recommended to take a look at this articleWhat is the obligation to tell the truth? 》

1. Is health notification important?

1. What is health notification?

A health notice is actually a questionnaire issued by the insurance company to the insured, and the purpose of the questionnaire is to select the insured who meets the coverage conditions.

2. The importance of truthful insurance information.

Telling the truth is related to whether the claim can be successful, if you don't tell the truth, you are likely to be rejected by the insurance company when you apply for a claim.

According to Article 16 of the Insurance Law of the People's Republic of China, if the insurance company does not tell the truth, the insurance company can refuse to pay compensation.

2. How to verify the health notice

Before applying for insurance, the insurance company will ask the insured to provide some information for verification, such as providing a recent examination report, etc.

After the accident, the insurance company will conduct relevant investigations, and if it is found that it is not truthfully informed, and key information such as health status is concealed, then the insurance will be invalid and no compensation will be paid.

Methods of Investigating Health Conditions:

1) Hospital records.

2) Records of the social security card.

3) Entrust a third-party agency to conduct an investigation.

4) Information exchange between insurance companies.

3. Daddy's summary

As an important part of the insurance application, the health notice must be truthful, if there is a claim dispute in the future, it will outweigh the loss.

1.Ask what to answer, don't worry if you don't ask.

Because our country currently uses inquiry and notification, not unlimited notification.

So, when we are there, we only need to ask the questions on the health notice, and we don't need to ask what we don't ask.

For example, if you are asked about your recent physical health, but you are not asked how much you weigh, you don't need to take the initiative.

Sometimes if you take the initiative to say it, it is not good, and you may be denied insurance.

2.Inform that the disease should be clearly present.

In other words, if there is no evidence to prove that your medical history exists, you don't need to tell it.

Here's an example. For example, we were worried that we might have high blood pressure, so we bought a blood pressure monitor and measured it and found it to be a bit high.

But I didn't go to the hospital for a physical examination, and I didn't have a certificate from the hospital, so I couldn't say that I had high blood pressure.

You don't have to tell the insurance company when you apply for insurance.

3.At the time, the hospital diagnosis record shall prevail, and try to avoid talking about your own subjective feelings.

When applying for insurance, how does the insurance company determine whether the policyholder has truthfully informed?

They are generally judged by looking at the client's medical records.

Therefore, when we don't know how to make health information, we can refer to the hospital's medical records, so that it is not easy to make mistakes.

Hello, first of all, dad let's talk about the definition, health notification: is the process of informing the insured of the physical health status of the insured to the insurance company for them to do risk assessment and finally determine whether it can be covered.

Health notification is one of the most critical and complex steps in the allocation of life insurance.

If the health requirements are not met at the time of application, even if the insured is out of insurance in the future, the insurance company will refuse to pay, and the premium paid by the insured will not be refunded.

Therefore, health notification is very important for us consumers, and it directly affects whether we can get insurance coverage.

Usually, the health notice and inquiry of each insurance product will be different, but in terms of strictness, it basically meets the following rules: medical insurance is the strictest, and accident insurance is the most relaxed.

The choice of health insurance is inseparable from three key elements: coverage liability, premiums and health notices.

Health notification needs to follow the principle of maximum good faith, and it is also the foundation of the signing of insurance contracts, so the correct understanding of health notification is an important part of successful insurance.

Why do I need a health notice to apply for insurance? Many consumers think that insurance companies are exempting themselves from liability by requiring consumers to inform consumers of their health, and that insurance companies will refuse to cover if they are sick. This is actually a misreading of insurance, because health notification is a tool for insurance companies to protect consumers' right to fair trade.

If every consumer takes out insurance after feeling that he is not in good health, will the insurance company definitely lose money? Of course not, as long as the insurance premium rises to the point where moral hazard and adverse selection risk can be tolerated, there is nothing that cannot be insured. However, there are not many consumers who are not in good health to re-insure, and if insurance companies rely on increasing premiums to increase their own risk-taking capacity, it will become a harm to healthy consumers.

Therefore, through the health screening of the insured, it is the protection of healthy consumers, and also allows healthy consumers to enjoy lower insurance rates. Insurance companies operate risks, and it is the risk of society as a whole, and the process of insurance companies screening risks is actually a process of reducing group risks and avoiding healthy consumers from paying for high-risk consumers.

The health notice is usually the first content that many consumers do not understand when they encounter the insurance process.

A: The meaning of health notification is similar to that of a health check-up report.

Health notification is a health survey of the insured customer by the insurance company, and is an 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.

When you do not tell the truth when you apply for insurance, you can discuss with the insurance company to supplement the underwriting if the situation is not serious, and the insurance can still be effective.

Assuming that the information you do not fill in truthfully is more serious, according to the provisions of the Insurance Law, the insurance company has the right to terminate the contract immediately and may not refund the premium.

Take you through the importance of health notification.

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

Health notification is mainly a questionnaire used by insurance companies to understand the health of the insured. This is directly related to whether the content of the insurance is effective, generally only through the health notice can be insured, different insurance companies have different requirements for health conditions, the content of the inquiry is also different.

If you do not tell us the truth, you do not need to surrender the policy in a hurry when the situation is not serious, you can apply to the insurance company for supplementary underwriting, so that the coverage will continue to be effective.

Assuming that you do not fill in the information truthfully, it is more serious, and according to the provisions of the Insurance Law, the insurance company can refuse to settle the claim and terminate the contract.

When you buy insurance in China and fill in the health notice, you can basically follow this"Three answers"to fill in: 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, please read this article carefully 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.

If you do not pass the smart underwriting, you can choose to change the product directly or perform manual underwriting, as manual underwriting is more accurate. If the manual underwriting is not passed, you can only change an insurance product, change some products that are not so strict with health requirements, I have sorted out and collected some products with high cost performance and not so many health requirements, which can be collected if you need to:"Top 10 [Health Notification Relaxation] Critical Illness Insurance Points"!

Tips:

1. Don't go 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.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.