Buy insurance to conceal the consequences of illness, buy insurance Can you hide illness

There is no notification of the nodules, first, where the nodules are, what nature, whether the doctor has imaging tendencies and considerations, such as inflammatory nodules, such as calcifications, such as ground-glass nodules, such as lobulation, burrs, cavities, such as whether there is puncture pathology, etc., the nature of the nodules is different, which directly affects the judgment of underwriting;

The second is that it was not informed, which is excusable, after all, the policyholder is neither a doctor nor a professional underwriter, and the doctor said that it is okay if it is fine. The vast majority of policyholders, not deliberately deceived and took out insurance with illness, but ignored or simply forgot.

The third is whether the critical illness suffered from in the future is related to the nodule and whether there is cause and effect. For example, there is a nodule in the thyroid gland, and the doctor recommended observation and reexamination, and then the nodule quickly maligns into thyroid cancer, which is the causal relationship; For example, if there is a small nodule in the thyroid gland that has not changed for several years, and then you suffer from rectal cancer, it doesn't matter; For example, there is a small nodule on the lung, calcification, which is a scar left after the pneumonia has recovered, which has nothing to do with any serious illness.

The key is that as an insured, you should know that you should keep the original image report, medical records, and previous subsection review reports, which are all powerful evidence in the event of a claim dispute.

Avoid some cases of negligence that lead to failure to tell the truth. As long as the two-year incontestability period has elapsed and the insurance company does not raise an objection, then this cannot be used as a reason for denial of claims in the future.

It is recommended not to conceal the corresponding disease history asked by the insurance company when buying insurance, even if the insurance is successfully insured, there may be a claim dispute in the future, and then the insurance can not be compensated because of the concealment of the medical history, then the gain outweighs the loss.

Before entering the corresponding knowledge point popularization, friends who are not familiar with insurance should take a look here: before buying insurance, you must first understand these key knowledge points!

Generally speaking, we need to make health notices when buying insurance, and most insurance companies will require us to do health notices when they apply for insurance, which is a way to understand our physical health status instead of physical examinations.

In the health notification process, the insurance company will generally inquire about certain high-incidence diseases, hospitalization history, surgery history, etc.

For example, for a history of high blood pressure, we may be asked whether we have taken any medications for high blood pressure, whether we have been hospitalized for high blood pressure, or whether we have been hospitalized for high blood pressure.

There are still some skills that can be used when making health notices, please see this article for details: What are the tips for health notification when applying for insurance?

In the face of health notification, we need to "answer all questions", that is, what medical history is asked, if there has been or has not been cured, it is necessary to tell the truth; The diseases that Lu Xi did not ask about, even if they had suffered from it before, did not need to be carried out.

In order to improve the success rate of insurance, some people may not be truthful when making health notices, even if they are lucky enough to be successful, they may be found by the insurance company to conceal the health notice and be rejected by the insurance company when it reaches the claim stage.

In fact, even if you have a relevant medical history, it does not mean that you can't buy insurance, and it is okay to take insurance with illness.

When it comes to taking out sick insurance, we need to master these tips: remember these 5 steps to get you sick out of the insurance smoothly!

One part of you are right, that is, a lot of insurance sellers, whether it is line width on or offline. Medical examinations are generally required for the insured.

or age limit or sum insured.

Exceeding limits, etc. For most people, there is no need for a medical examination, which means that you can hide your illness and apply for insurance? Of course not, health notification is required during the insurance process, our country's insurance law.

It also stipulates that the principle of maximum integrity should be taken as the principle for both the insurance company and the policyholder, that is, it must not be concealed, and if it is concealed, the insurance company can not pay. Because the policyholder deceived the insurance company.

If the illness is checked out in the hospital, and the hospital will record it, then when the claim is made, the insurance company finds out and you do not inform it, then it is not paid.

What you said about "accidentally finding out that you are sick and then go to buy insurance", is the same as the previous situation, unless you feel that you are sick, and you do not go to the hospital and then buy insurance, and then buy insurance, and then delay it for half a year, do you think you can endure a disease for more than half a year? Or is it really cost-effective to be anxious and afraid to go to the hospital for examination every day, just for the insurance to take effect?

Or that your friend is a medical expert. Help you check out some kind of critical illness, and then go to buy insurance, and then delay it for half a year, that daylily.

It's cold, like carcinoma in situ.

That is, early cancer.

The transformation into malignancy is the time for a few months to disappear.

Therefore, when you buy insurance, you should buy it when you are healthy, and you don't have to think about taking advantage of the loophole in insurance, because in the end it is all a set.

There are still questions to ask, above.

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

Summary. Hello, taking critical illness insurance as an example, diseases that occur during the waiting period (different products have different waiting periods) (it is not recommended to have a physical examination before and after insurance), congenital diseases other than autism, viral hepatitis or cancer caused by AIDS or HIV infection, and diseases caused by self-injury all need to be notified to the insurance company.

Hello, taking critical illness insurance as an example, diseases that occur during the waiting period (different products have different waiting periods) (medical examinations before and after the insurance application), congenital diseases other than autism, viral hepatitis caused by AIDS or HIV infection, or diseases caused by self-injury, etc., need to be notified to the insurance company.

What about hospitalization medical insurance.

Hello, hospitalization medical insurance, no illness can be hidden, as long as you have a medical record, they will not compensate you if they find out.

Insurance is not a product that can be bought at any time when you have money in the store. Many insurance companies have a "blacklist" when underwriting or making claims, and buy insurance as early as possible when they are young and healthy, so as not to be unable to buy it after they are "on the list".

The first and fifth types of people who can't buy insurance can't buy critical illness insurance.

1. People who are already seriously ill can't buy it;

2. Can't buy it over age;

3. If the physical indicators exceed the standard, you will have to buy it at an additional cost;

4. Pregnant women cannot buy it after 7 months to 1 month after the baby is born;

5. There is a quota limit for full-time wives, and if you don't have money, you can buy as much as you want like buying luxury goods.

Why cherish the opportunity to buy insurance, because many times, you can't buy it when you want to, but when you don't want to buy it, it's the most cost-effective time. Many people miss out on the opportunity to buy insurance because they have a deep misunderstanding and prejudice about insurance. Regarding insurance, I don't know about it at the age of 20, I can't take care of it at the age of 30, I look down on it at the age of 40, it is difficult to buy it at the age of 50, and I can't buy it at the age of 60....

People who can't buy insurance.

Second, it is not because of illness that the insurance is denied.

The top 10 reasons for the insurance company's increase are hepatitis B, overweight, high blood lipids, abnormal liver function, high blood pressure, hematuria, high blood sugar, kidney stones, breast tumors, and gastric diseases (gastritis, gastric ulcers), of which hepatitis B, overweight, high blood lipids, and abnormal liver function account for more than 80% of the top 4 percent, and hepatitis B accounts for more than 30%. The top 10 "rankings" of reasons for refusal are generally the same as the fee increase, but the degree is different. These reasons may come as a surprise to the average consumer, who asks, what is overweight?

The doctor probably just said that you should pay attention when you go back, control your diet and exercise more.

Can't buy insurance for people who are Kaidi.

3. Those with a history of medical history buy insurance, which is very suspenseful.

According to the provisions of the Insurance Law of the People's Republic of China, the signed policy is also invalid if the past medical history is deliberately concealed. Those who have a pre-existing medical condition are likely to lose their eligibility to buy insurance if they conceal their past medical history when buying insurance.

Hepatitis B, hyperlipidemia, hypertension, hematuria, overweight, ......Many seemingly ordinary small problems may make many people ineligible for insurance. These are just minor problems, and there are many people who have already suffered from various chronic diseases, and these people are even more ineligible for insurance.

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

It is not recommended to buy insurance for concealing illnesses!

When you buy insurance, don't take chances, and think about concealing the disease when you are informed about your health, so as to help you get insurance smoothly.

You know, even if you are successful in this situation. If you unfortunately need to make a claim in the future, the insurance company will also conduct an investigation and review. Certificates such as medical records are usually easy to find.

Once it is found that there is a deliberate concealment of the disease during the health notice, not only will you not be able to get the insurance money paid, but you may also need to bear the corresponding legal responsibility!

Therefore, it is very undesirable to deliberately conceal the illness when buying insurance, and it is not recommended for everyone to do so.

Is the health notice of the insurance company making it difficult for us?

If the insured has a physical condition before applying for insurance, Senior Sister recommends that you try to choose an insurance product with a more relaxed health notice. In this way, everyone's insurance process may be smoother!

Latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

In addition, there are tips for health notification. Because, in China, we practice "limited notification", and everyone can follow the principle of telling the truth, answering all questions, and not answering questions.

If you want to know more about it, you can take a look at this guide:

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

1. Once you find out that you are sick before you think of buying insurance, the insurance company will not accept it, so there is no insurance from any insurance company that is suitable for you, so you can't introduce it, unless you go to buy social security! Social security can be reimbursed, but it depends on your situation: do you have a job?

If you buy it in the unit, you can be reimbursed, and if you don't have a work unit, you can buy it in your own name, but it depends on whether you can meet the conditions, so you can't say clearly, different social security grades have different reimbursement ratios.

2. Once the insurance company finds out that you are concealing your illness, it will refuse to make a claim, and generally there is a chance to have a physical examination when you buy insurance, so I do not recommend you to conceal it. And there is an expiration date after buying, that is, it can only be effective until the corresponding time, such as the occurrence of illness within 180 days or the rejection of compensation, etc., the insurance company is very strict in terms of insurance fraud, so you don't want to hide it.

3. Different social security grades have different reimbursement ratios, I don't know what grade yours is, so I can't make it clear.

4. I don't know how much money you can take out every month to buy insurance for your wife and children, so I can't recommend it!

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

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"

Hello, if the concealment of medical history is investigated by the insurance company, it will also lead to other diseases. If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification, which is sufficient to influence 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 truthfully 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 file fee.

3. 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, he shall not be liable for compensation or payment of insurance money, but shall refund the insurance premium.