When buying critical illness insurance, how to fill in the health notice?

More and more people are buying insurance, but there are many types of insurance, including personal accident insurance, critical illness insurance, life insurance, participating insurance, etc. Many people will buy accident insurance and critical illness insurance, but many insurance companies need to truthfully inform the insurance company of their personal health conditions before purchasing, especially critical illness insurance, and even need to truthfully inform their parents' medical history.

How to fill in the health notice?

Although we all have to tell the insurance company our own disease history, however, when applying for insurance, the policyholder does not need to fill in the health notice by himself, the insurance itself already has the content of the health notice, the policyholder can choose whether he has this type of disease according to the options on the health notice, if not, then directly fill in the above questions, if there is a related disease, the health notice has options to choose from.

The health notice must be filled in truthfully.

Some people are worried that they will be rejected by the insurance company if they suffer from a certain disease, so when filling in the health notice, they do not check it truthfully, "there are some problems", but choose "no of the above problems", which means that the policyholder does not truthfully inform their health history, there is no travel insurance contract, and the insurance company does not bear the risk and claim for the disease suffered by the policyholder before the insurance, so if there is no truthful notification, when the insurance company knows that the policyholder has this kind of disease before applying for insurance, The insurance company will not be held liable for any claims, and will not even terminate the insurance contract, and even the premium will not be refunded to the policyholder.

Nowadays, with the development of the Internet, the information of hospitals across the country can be interconnected, as long as you are in the hospital, you can see the doctor, and the hospitals across the country can see the information of this patient, as long as you check the previous records. Therefore, when applying for insurance, you must truthfully inform your health situation, and don't take chances, after all, this kind of thing can be found out as soon as you check it.

I think we should fill out the report according to the real situation, and if he wants to agree to buy insurance for us, then he should have some compensation when we have problems.

If your body has always been particularly healthy, then you can directly fill in the medical history and be in good health.

The health notice should be filled in truthfully, and if there is any disease, fill in the disease, and do not hide anything to avoid trouble in the future.

The health notification of critical illness insurance must be truthfully informed according to one's actual situation, and in the process of health notification, it is not allowed to conceal or deliberately not, and it is not allowed to fabricate false information to deceive the insurance company. If you do not tell the truth, even if you have successfully applied for insurance, if you find an error during the verification of the claim, you are likely to refuse the claim, and in serious cases, you may be considered as a fraudulent insurance and bear legal responsibility. However, there are also skills in health notification, and the senior sister has summarized them for you, which can help you apply for insurance smoothly:

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

If you don't want to buy insurance, then you should indicate that you refuse to insure, if you are embarrassed to refuse, and fill in the health notice casually, the content is likely to be stored in the insurance business system, which will have an impact on buying insurance in the future, so if you don't want to buy critical illness insurance for the time being, you must refuse it at the beginning to avoid unnecessary trouble.

If the economic conditions allow, the senior sister still recommends that you configure a suitable critical illness insurance. It is possible to suffer from a critical illness at any time in life, and the cost of critical illness is very high, which will cause a huge financial burden to the family. This article can tell you more clearly about the role of critical illness insurance:

After reading these points, you will know why you should buy critical illness insurance.

When buying critical illness insurance, we must not trust others, because the products that others say are not necessarily suitable for us to buy, we must choose the right products based on our own protection needs and economic conditions, and pay attention to the protection content to cover critical illness, moderate illness and mild illness; The sum insured should not be less than 300,000; The duration of the coverage should be long enough, etc. Senior sister directly shared a critical illness insurance insurance strategy, which can help you buy good critical illness insurance: good critical illness insurance looks like this!

You've been lied to for so many years.

If you simply don't want this insurance, you must clearly inform the salesman that you don't need it!

If the customer fills in the health notice is a refusal to insure, and the salesman logs in to the system, it will have a great impact on the future want to buy insurance.

You tell him that you have diabetes and high blood pressure, and he won't push you in the future.

The health notice is the first step in our insurance, if you do not fill in the health notice correctly, it is very likely that you will be denied the claim after the insurance, so these things must not be done when filling in the health notice"This health notice, the insurance company will not pay 100%!" 》

1.Why do I need health advice to buy insurance?

When applying for insurance, we often overlook the importance of health notification. Health notification is a decisive factor in whether the insurance company underwrites the insurance, under what conditions, and whether the insured can successfully settle the claim after the accident.

Insurance companies are not for charity, but for profit. The insurance company pays out the money** of the premiums paid by all customers, and if there is no health notice, the risk of disease and the probability of compensation are higher for non-healthy people, and it is easier to get claims, which means that it is unfair to healthy customers. Therefore, the main purpose of health notification is to let the insurance company have an understanding of the customer's physical condition and prevent the occurrence of insurance fraud.

2.What do I need to pay attention to when health advice?

The most important thing in health notification is the principle: answer all questions, and do not ask and do not answer.

3.What should I do if I don't know if I meet the health notice?

Everyone will have a little bit of a problem with their body to a greater or lesser extent, and they are not sure whether they can pass the health notice when applying for insurance, and it is too troublesome to go for a physical examination in order to apply for insurance. In fact, there are several ways to solve this problem:

(1) Smart underwriting:(2) Manual underwriting:

Many diseases are graded and the situation is more complicated, and if there are only mild symptoms, the insurance company will generally cover it. However, in order to avoid disputes, when smart underwriting cannot reach a conclusion, it is best to review it through an underwriter or consult customer service.

(3) Choose products with relatively loose health notices

If both smart underwriting and manual underwriting fail, does it mean that you can't buy suitable critical illness insurance? Not necessarily, we can choose an insurance product with less health notice and loose health notice, and try to apply for multiple insurances.

Xueba talks about insurance, focusing on insurance evaluation! Here are some tips and possible questions about health advice, friends in need can take a look:"Do you know all these tips for health advice".

A health notification is a health questionnaire that must be filled out before purchasing insurance. Whether an insurance is effective or not is closely related to this, different insurance companies have different requirements for health conditions, and the content of the inquiry is also different.

If you do not fill in the information truthfully when purchasing the insurance, you can discuss with the insurance company to supplement your health situation when the circumstances are not serious, and the main benefit can continue to be effective.

If you do not tell us too much, the insurance company has the right to terminate the contract immediately and may not refund the premium according to the provisions of the Insurance Law.

When you fill in the health notice when you buy insurance, you can fill in the "three answers": what to ask and what to answer; No questions or answers; Think about it before you answer. If you are a friend with some minor physical problems, it is recommended to read this article before buying insurance:

"Remember these 5 steps to get you sick and apply for insurance smoothly!" 》

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

If you don't pass the intelligent underwriting, you can choose to directly replace the product or carry out manual underwriting, this is because the review of manual underwriting will be more accurate and flexible, if the manual review is not passed, you have to choose those products that are not so strict with health requirements, I have selected some products that are more worth buying, and those with less high health requirements can be collected:"Low health requirements, cost-effective products".

2. If you have been misdiagnosed before, you must notify the insurance company, otherwise you will be thought that you have really had this disease and will conceal it.

How to inform the health of insurance when I buy insurance?

Hello! When buying insurance, in line with the principle of maximum integrity, answer truthfully to each health condition listed in the insurance company, that is, answer truthfully what the health informs, and there is no need to answer if you don't ask. For example, if you ask if you have been hospitalized in the past two years, but you don't ask if you have taken any medications, you don't need to take the initiative to tell us.

Even if you have recently taken medication for a cold or other situation, it will not affect coverage and claims.

In most cases, the health notice uses the enumeration method for the types and symptoms of the disease, generally as long as the disease is not within the scope of the list, you can choose "no" and "no of the above conditions", if there is any unclear point, you can consult customer service for confirmation.

Tell the truth, if you don't tell the truth, the insurance company has the right not to pay, and the loss is yourself.

Your ** person will tell you, need to know.

1. What are the health notification items of critical illness insurance?

Critical illness insurance is insurance for critical illnesses. Therefore, its health information usually revolves around the factors that affect the incidence of critical diseases, mainly the following items:

It can be seen that the health notice of critical illness insurance involves the physical condition of the insured, medical records, and even some products include the disease history of relatives, etc., which is mixed with a lot of medical professional terms, many of which we only know a little about, so how to grasp the principle of "truthful notification"?

2. How to properly inform about health?

1) Answer all questions, the principle of honesty.

If it is found out, the insurance company may terminate the contract and will not be liable for compensation, and your premiums will be wasted.

2) Don't ask or answer.

3) Undiagnosed, default is none.

The diseases asked in the health notice are not determined by the hospital or physical examination, and are not confirmed by default.

Your self-doubt, the diagnosis in the charlatan, the admonition of the health expert, these are not counted. For example, if you have recently felt chest pain and self-suspect that it is a breast nodule, but you have not been to the hospital, you can default to no, and you do not need to tell it.

If you are still worried that you will not be able to cope with the health notice, you can choose some critical illness insurance with a relaxed health notice. I've got you sorted it out:Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

Xueba talks about insurance, focusing on insurance evaluation! There are also skills to speak of when filling in the health notice, and I have compiled those skills here, if you are interested, you can take a look:What are the tips for health notification when applying for insurance? 》

Health notification is an investigation by the insurance company on the physical condition and personal habits of the insured, and is an important part of the insurance purchase. 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 fill in the information truthfully when applying for insurance, and the situation is not too serious, you can apply for supplementary underwriting with the insurance company without rushing to surrender the policy, so that the insurance can still be used normally.

If you do not truthfully inform you of your physical condition, according to the provisions of the Insurance Law, the insurance company can refuse to settle the claim and terminate the contract.

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. Assuming that you have some minor problems with your body, I suggest you take a look at this article 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.

When you don't pass the intelligent underwriting, you can directly change the product or carry out manual underwriting, this is because the review of manual underwriting will be more accurate and flexible, when the manual underwriting can not pass, you can only replace it with those products that are not so strict about health requirements, I have collected some = health notice, not so many requirements of the product, you need to be able to collect:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

Note

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

The best and most reliable way to do this is to tell the truth.

Generally speaking, you will answer whatever the insurance company asks, and for domestic insurance companies, the health notice is a limited notice, and you need to answer the questions provided by the insurance company that you think are important and will affect the coverage.

If someone gives you advice to conceal personal circumstances, and also mentions a two-year incontestability clause with you, telling you that everything will be fine as long as there is no development for two years, I suggest you think carefully.