Critical illness insurance does not tell you what will happen after 5 years

If the health information is not truthful, the insurance company will have every reason to refuse to pay the compensation once it finds out. Therefore, even if you have been insured for 5 years, the situation you face is the same, so don't take chances.

Article 16 of the Insurance Law stipulates that 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. In China, health notification implements the principle of "answering questions, not answering, and truthfully informing".

Because of my poor physical condition, in the process of health notification, there are no truthful questionnaire questions, even if I successfully applied for insurance at the beginning, but you must know that you should buy critical illness insurance.

There are two key points, one is the successful insurance, and the other is the successful claim, so the first is not truthfully informed, and it is unknown whether the claim can be successfully obtained when the claim event occurs later.

In fact, many non-standard bodies can also be insured, of course, for some abnormal items may be excluded from insurance companies, or additional coverage. For example, thyroid nodules.

may be excluded from insurance companies for thyroid-related liability coverage; For example, high blood pressure.

If you are overweight, you may be covered by the insurance company at a premium. But these situations are much better than no guarantees.

As we all know, critical illness insurance is one of the main types of insurance in the health insurance market, and insurance companies have strict health notification requirements when applying for insurance in order to control risks.

1. Minor medical history is not informed.

For example, some small cysts, stage 1 hypertension, gestational diabetes, etc., do not affect the insurance decision after recovery, although they are not truthfully informed, they can still be compensated.

2. Serious medical history has not been informed and the accident has occurred within 2 years.

For example, if an individual suffers from severe stage 2 hypertension, thyroid nodules, breast nodules, polycystic kidneys, lung nodules or polyps, and hepatitis B is not informed, the insurance company can refuse to pay and terminate the contract even if the insured disease is not related to past medical history.

3. Serious past medical history is not informed, but the accident occurs after 2 years.

For example, if an individual has hepatitis B and is not informed, and the insurance is diagnosed with liver cancer after two years of insurance, then the insurance company can refuse to pay;

If hepatitis B Dasanyang did not inform him, but two years later because of cerebral hemorrhage, diagnosed with sequelae of stroke, according to the indefensibility clause, in this case, the claim can be made, but many companies will still refuse to pay, and individuals need to go through litigation channels, and the probability of compensation is very high.

Of course, there are still some regulations in critical illness insurance that can affect the insurance company's claims, and we need to know it.

1. It is enough to influence the insurance decision.

In all critical illness insurance contracts, it will be stated that if the insured has a medical history and fails to fulfill the obligation to truthfully inform, if the insurance company determines that it is a disease sufficient to affect the insurance decision, then the claim can be denied

It is enough to affect the underwriting or surcharge, which is subjective, and the underwriting standards of different companies are different.

2. Incontestability clauses.

To put it simply, if the policyholder intentionally or grossly negligently fails to perform the obligation of truthful notification, if it is enough to affect whether to underwrite or increase the premium, the contract can be terminated within 2 years, and the accident that is discovered after 2 years needs to bear the liability for compensation and cannot be terminated.

The incontestability clause is a provision that balances the rights and interests of consumers and insurance companies, which is not only to prevent moral hazard and reduce the occurrence of insurance fraud, but also to prevent insurance companies from maliciously refusing to make claims.

The above are some of the situations in which critical illness insurance is not truthfully informed, or it is something that we need to pay attention to when we are making health information.

Although there is a two-year incontestability clause in the insurance, which indicates that the insurance company shall not terminate the contract two years after the contract is established, if the insured deliberately conceals it when applying for insurance, the relevant regulations also explain that if it is proved that the insured has a subjective motive to apply for insurance with illness when applying for insurance, and there is a suspicion of insurance fraud, the insurance company has the right not to settle the claim. But there are also cases where you need to make a claim:

If the insured person's illness at the time of the accident is not an illness that was not truthfully disclosed and has nothing to do with it, the claim can be made.

For example, if the insured does not truthfully disclose that the illness is A, and after 2 years, the patient suffers from illness B, and the illness B has nothing to do with A, then the insurance company needs to pay the claim.

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If you do not tell the truth about the purchase of critical illness insurance, the insurance company will refuse to pay the claim. Health information is really important, don't take chances.

Health notification is a health survey conducted by an insurance company on a customer, including past illnesses, personal lifestyle habits, smoking and drinking, etc. It is a very important part of the insurance contract. The insurance company will only allow you to buy it if you have passed the health notice, and different insurance companies have different requirements for health conditions and the content of the inquiry is also different.

If you do not truthfully inform your health condition, when the situation is not very serious, you can not surrender the policy, you can just submit a supplementary underwriting to the insurance company, and the insurance can continue to be valid.

If your misrepresented health condition is too serious, the insurance company has the right to terminate the contract immediately and may not refund the premium according to the provisions of the Insurance Act.

The current domestic health notice can be filled in 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.

If the intelligent underwriting is not passed, it will be manually reviewed, because the manual underwriting is more accurate and flexible. If the manual underwriting is not passed, then you can only change a product, I have collected and screened some insurance products that are more worthwhile and enough, and there are not so many health requirements, and you need to be able to collect:"Top 10 Popular Insurance Products Worth Your Planting".

2. If you have been misdiagnosed, you must remember to tell the insurance company, which may affect your claims.

If a person dies in an accident, the insurance will not pay a penny, you can't imagine that this is the reason!

Many people feel that this is a compromise and accommodation on the part of the insurance company. I'll tell you no. If you think so, it can only mean that you have not learned the insurance contract and your insurance law.

There are such provisions in both the insurance contract and the insurance law. You have to look at the ,...... of the insurance law

If you don't tell us, the insurance company will refuse to pay according to the regulations. Because you didn't tell the truth, you violated the principle of good faith, and you didn't reason, unless you fought a lawsuit, which was time-consuming and laborious, and even if you won, it will waste a lot of your effort.

If you don't tell the truth, the insurance company may refuse to pay!

Don't tell the truth. The insurance company later found out that not only will it not make a claim, but it will also terminate the contract without refund.

--Yang Ming.

If I didn't tell the truth when I applied for insurance, can I make a claim after suffering from a critical illness? This case is not big, but I think I can talk about it. Because there's really a lot of knowledge behind that.

It is said that there is such a customer, and this customer bought a critical illness insurance policy on September 13, 2019.

If you do not inform the insurance company, it will affect the insurance company's claim for treatment expenses, so it is recommended to call customer service to ask how to operate, and if you can, you can re-insure the insurance.

After 5 years, it is already regarded as a medically normal population, so it does not matter, if there is no relevant hospitalization record before, then there is no need to worry.

In fact, to be honest, these insurances are unreliable, so if you have money, or buy a social security? Then, pay your uh health insurance too, and you'll be fine! There will also be protection, and there is no routine at all, if you buy lifelong critical illness insurance, this will wait for you.

It's especially difficult when you need to use it. Therefore, it is not very long for you to pay back, and you can apply for the money in it in only five years.

If there is a history of previous medical conditions, failure to inform the insurance company of similar conditions in the future will affect the insurance company's reimbursement of medical expenses.

If the illness is not notified, the insurance will not be compensated at that time. Therefore, it is wise to retire immediately!

Supplementary notice: Submit relevant physical examination reports within half a year.

If the problem of a critical illness is more than two years old, even if it is not truthfully informed, it can still be compensated.

Critical illness insurance is not truthfully informed, and it will not necessarily be paid after 5 years. Although there is a two-year indefensibility in the insurance industry, it does not mean that the insured will be able to obtain a claim after five years without truthful notification. Generally speaking, there are three main situations in which you are not truthfully informed:

The insured deliberately fails to tell the truth, the policyholder fails to tell the truth at fault, and common sales misleading, such as some sales make the insured deliberately fail to tell the truth for the sake of their own performance, so it is necessary to analyze the specific problems on a case-by-case basis. Taking critical illness insurance as an example, if the policyholder deliberately fails to truthfully inform the insured when applying for insurance, then after five years, the insured suffers from a contracted illness and the disease is not a pre-existing condition, then the general insurance company will make a claim, but if it is a pre-existing condition, the insurance company also has the right to refuse to make a claim, but the contract is still valid. For example, if the insured does not truthfully disclose that he or she has illness A after purchasing critical illness insurance, and after five years, he suffers from contracted illness B, and the illness B has anything to do with A, then the claim can generally be made in this case.

Critical illness insurance does not truthfully inform whether it can be claimed after 5 years, depending on the actual situation. Generally speaking, due to the two-year indefensible clause in the insurance, the critical illness insurance was not truthfully informed after five years of Zheng San. Most insurance companies can still make a claim if the insured's dangerous illness is not related to the concealed illness, but it depends on how the insurance company and the court decide.

If after 5 years the insured does not truthfully inform the insured that the dangerous illness is concealed or related to the disease, most insurance companies will opt for blind clump to deny the abrasive claim.

When purchasing Heavy Fight Insurance, the insured needs to be truthful about his or her health status and related disease history. This is very important because if the insured has concealed or falsified the purchase of critical illness insurance, it may lead to the insurance company revoking the contract or refusing to pay. [Click to get a free 1-to-1 insurance consulting service].

According to the Insurance Law, the insured has the obligation to inform truthfully when purchasing insurance. If the insured conceals the medical history when informing the insured, but the contract has been established for 2 years at the time of the insured accident, the insurance company must still be liable for compensation.

However, if the insured conceals his or her illness history when purchasing critical illness insurance and is discovered by the insurance company, the insurance company may refuse to pay the compensation on the grounds that the insured has violated the obligation to inform if a critical illness event occurs during the term of the insurance contract.

Therefore, the insured should truthfully inform his or her health status and relevant disease history when purchasing the Critical Illness Insurance, so as to avoid the inability to obtain claims due to concealment of illness when the critical illness occurs, and also to ensure the validity of the contract.

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Whether the Da Li Liang disease insurance will be claimed after two years has not been truthfully informed, depends on the actual situation. Since there was a two-year defensible clause in the insurance, the critical illness insurance did not truthfully inform it after two years. Most insurance companies can still make a claim if the insured person's dangerous illness is not related to the concealed illness, but it depends on how the insurance company and the court of inhabitants decide.

However, if the insured's dangerous illness is concealed or related to the illness after two years, most insurance companies will choose to deny the claim.

Summary. I bought critical illness insurance and forgot to tell the truth what would happen in 10 years.

Hello, looking up the relevant information for you, it will take some time to type, please wait.

Hello, please see the relevant regulations below.

Summary. If the insured does not have honest health notification at the time of insurance, even if the insurance is successful, when the insurance is applied for a claim later, the insurance company will find out the relevant disease history of the insured, and the insurance company will not make a claim to the insured, and will not refund the insurance premiums paid. In addition to this, there will be a record of lack of integrity, which will also be affected when taking out products from other insurance companies.

Hello, about this question, the answer is being sorted out, please wait a while Oh Okay. If the insured does not have honest health notification at the time of insurance, even if the insurance is successful, when the insurance is applied for a claim later, the insurance company will find out the relevant disease history of the insured, and the insurance company will not make a claim to the insured, and will not refund the insurance premiums paid. In addition to this, there will be a record of lack of integrity, which will also be affected when taking out products from other insurance companies.

The problem was told to the insurance business manager at the time.

He said it would be fine for three years.

That means that the business manager is only interested in earning your commission and does not consider your interests.

That's the case.

Now you can only admit loss?

Isn't this a clear scam?

You can only sue the insurance ** person, the money without conscience.

The company has trained salesmen, and every salesman knows it.