When you buy insurance, you need to inform about your health

The health notice is a survey of the health of the insured by the insurance company, and all insurance policies are mandatory. 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 do not tell the truth, you do not need to rush to surrender the policy when the circumstances are not serious, you can apply to the insurance company for supplementary underwriting, so that the insurance can still be used.

If the situation is more 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.

When purchasing insurance, the health notice should be filled in according to these "three answers": what to ask and what to answer; 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

39 kinds of physical abnormalities in 9 categories, a comprehensive strategy for disease insurance!

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

If you don't pass the smart underwriting, you can go to the manual review again, because the accuracy of the smart underwriting is not as high as the manual underwriting, if the manual underwriting can't pass, then you have to change the product, replace it with those products that are not so strict about health requirements, I have collected some = health notice, not so many products with more requirements, you need to be able to collect:

Caring tips.

1. It is recommended that you do not go for a physical examination before applying for insurance, you only 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.

When buying insurance, you must truthfully inform your health. What should I do with the health notification of the insurance? Today, I'm going to talk to you about this question.

Health notification is actually the process by which the insurance company knows our physical health, and the insurance company will ask us a series of questions to find out whether we have suffered from certain diseases, what medications** we have used, whether we have performed corresponding surgeries, whether we have been hospitalized, etc.

Many people don't understand what health notification is, so they always feel worried and scared when they face the health notice of the insurance company when they apply for insurance, but in fact, it is not necessary.

Even if the health notice is not passed, it does not mean that we cannot buy insurance, we can choose other insurance to insure, or buy insurance with a relaxed health notice.

For example, these insurances with relatively loose health notices are very worthy of our attention: the latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

So how should we inform when we make health information? In fact, we only need to follow this eight-character motto to "answer all questions, and answer no questions."

In the health notification process faced by applying for mainland insurance, we do not need to inform the insurance company of all the diseases we have suffered from in the past, but only need the medical history asked by the insurance company.

For example, if you ask about thyroid nodules, you will tell them; There is no history of thyroid nodules, and even if there is, there is no need to tell them.

1. Inquire and inform.

That is, what to ask, what to answer, and not to answer if you don't ask.

Insurance companies have a strict underwriting system, professional underwriters, and the health inquiries they formulate must be closely related to the product, which will have an impact on insurance, underwriting, premiums or claims, etc., with clear and targeted questions.

2. Documented notification.

The physical health status shall be subject to the records left by the hospital or physical examination institution. The diagnoses of one's own conjecture, family and friends' conjectures, and even "health care experts" and "x half-immortals" are not counted.

3. The physical examination cannot be exempted from the obligation to tell the truth.

Article 5 of Judicial Interpretation III of the Insurance Law promulgated in 2015 clearly stipulates that the insured shall go to a designated medical institution for physical examination at the request of the insurer at the time of the conclusion of the insurance contract, and the obligation of truthful notification shall not be waived by the insured.

The policyholder can't think of perfunctory health notice with the mentality of "I've had a physical examination anyway, you can read the physical examination report yourself". Truthful disclosure is not only responsible for the insurance company, but also responsible for yourself. Otherwise, the consequences are described in Part I, the provisions of the Insurance Act.

I believe that those who have bought insurance know that in the process of buying health insurance, we always have to go through a link, that is, "tell the truth".

Telling the truth is related to the follow-up claim issues, here, Daddy wants everyone to understand what it means to tell the truthWhat is the obligation to tell the truth? 》

There is a provision in the Insurance Law that the insurer shall not terminate the contract for more than two years from the date of the conclusion of the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

This is known as the "two-year incontestability clause". Some people may feel that with a "two-year incontestability clause", it doesn't matter if they don't tell the truth, and the insurance company can't terminate the contract after two years of the contract.

1. What should I pay attention to in health notification?

(1) Don't take chances

The above dad also mentioned that the insurance law contains a "two-year indefensibility clause", which means that if the insurance is insured after two years, even if it is not truthfully informed, the insurance company must fulfill the liability to pay.

However, this is based on the principle of maximum good faith, if the policyholder does it intentionally, it is a fraudulent act, there is a suspicion of insurance fraud, and the law does not support it.

(2) Whether or not to inform all of them

Some people are worried that the insurance company will refuse to insure due to the omission of some information in the health notice, so they are always cautious when applying for insurance and will tell all their past medical conditions.

Can I buy insurance if I have outpatient and physical examination records, and how can I inform my health?

Many consumers will worry that they have outpatient and physical examination records before applying for insurance, and are afraid that the insurance company will refuse to insure, in fact, this worry is unnecessary, people are sick, they have to go to the hospital**, it is normal to leave these medical records, and it does not mean that you can't buy insurance if you have outpatient and physical examination records.

In the end, whether it can be insured normally also depends on whether the consumer's physical health can meet the requirements of the insurance company, and some insurance health notices are relatively relaxed, and consumers can also apply for insurance even if they have some problems and pre-existing conditions.

So how to apply for insurance if you have outpatient and physical examination records? Don't be in a hurry, and listen to Daddy slowly.

1.Health advice asks what to reach, do not ask and do not answer

Before consumers apply for insurance, consumers need to inform the insurance company of their health, and in mainland China, we follow the principle of limited notification, and consumers only need to answer the questions asked by the insurance company, and the questions that are not asked can not be answered.

Even if the consumer has outpatient and physical examination records, if the insurance company does not ask, then it is best for the consumer not to take the initiative to inform, of course, if asked, then it is still necessary to tell the truth.

2.The most authoritative and recent outpatient and physical examination reports are used

If the consumer has had multiple physical examinations and outpatient clinics before, it is best to use the most authoritative and recent relevant reports at the time of health notification, because the content of these reports can reflect the current physical health status of the consumer, and the insurance company can make a more accurate risk assessment.

3.I have some minor problems, but there is no record of physical examination

If the consumer has some minor problems (not very big impact on health), but does not leave relevant physical examination records in the hospital, then consumers should try not to inform these minor problems when they are informed of their health.

Because it is a small problem and the impact on health is not great, if the consumer informs the insurance company, the insurance company may increase the strictness of the underwriting of the consumer, which is not conducive to the smooth insurance of the consumer.

However, if the disease suffered by the consumer is more serious, then the physical examination should still be carried out, and the first should still go to the hospital, not because of the fear of not being able to buy insurance, and not going to the hospital, which will delay the disease, which is harmful to the consumer himself.

There is a health notification form, and you can fill it out accordingly.

1.There are questions and answers, and there are no questions and no answers.

Generally speaking, in the process of health notification, we should tell the truth, but telling the truth does not mean that we have to tell everything one by one, but the questions asked in the health notice need to be informed, and if the situation is not asked in the health notice, we don't need to say more.

2.Pay attention to the time frame.

In the health notice, there may be some words with time limits such as within one month and two years, so you should see clearly which time period is asked in the health notice, and then tell the truth according to the situation of that time period.

3.Take care to distinguish between diseases.

Sometimes, you may see some diseases with similar names in the health notice, such as big three yang, small three yang, etc., although their names are very similar, but strictly speaking they are not the same disease, therefore, you should pay attention to distinguish the diseases with similar names, if you encounter a disease that you don't know very well, or don't know that the disease you suffer from is not the situation asked in the health notice, you can consult the staff of the insurance company.

Finally, when buying insurance, in addition to paying attention to health information, what other issues should we pay attention to? After reading this article, you will know: before buying insurance, you must first understand these key knowledge points!

If the content of the health information questionnaire is asked, it should be truthful.

Article 16 of the Insurance Law: When concluding an insurance contract, if the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured, the policyholder shall truthfully inform the insured. Each product of the insurance company is carefully designed, and the measurement and definition of risk have their own data model, so we don't have to worry about the insurance company.

As long as the insurance company does not ask, even if we know that there is an abnormality in a certain indicator, we do not need to tell it, and we do not need to worry about subsequent claims.

Health notice is when the policyholder buys insurance, the insurance company asks the answer to a number of questions by asking questions, usually the question is about the occupation and past physical health status, and the answer to meet the requirements is through the preset requirements of the insurance company, before the normal insurance can be insured. For Internet insurance, in general, at the bottom of the product introduction page on the official website or mobile terminal, click the Buy Now button to see the health notice. The health notice affects the subsequent claim, as long as it is the content of the health notice questionnaire, it should be truthful.

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

"Learn these health tips and you'll earn it".

Health notification is an important part of the insurance contract as an insurance company's investigation and inquiry into the health status of the insurance customer. Whether an insurance can be used normally and whether it can be claimed normally is related to this, 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 can refuse to settle the claim and terminate the insurance contract, and even not refund you a penny.

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 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 have not passed the intelligent underwriting, you can carry out a manual underwriting, manual underwriting will be more detailed and accurate, when the manual underwriting can not pass, you can only choose to buy those products that do not have high health requirements, which are some insurance products with loose control of health problems, and you need to be able to collect:

"Super cost-effective! Health informs the true conscience".

Friendly suggestion:

1. Don't go to the hospital for a physical examination before you want to buy insurance, you just need to tell what you know.

2. If you have been misdiagnosed, remember to tell the insurance company, otherwise it will affect your insurance protection rights.

[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.