What can be added is that the insurance company will re-insure according to the current situation of the insured. There are several consequences of supplementary notification: it does not affect the continuation of underwriting, but it has the obligation to continue underwriting, needs to increase underwriting costs, and refuses underwriting. Therefore, when buying insurance, you must make a good health notice.
Health notification is an insurance company's health survey of customers, including past diseases, personal living habits, smoking and drinking. This is a very important content in the insurance contract. This is related to whether the guarantee is effective and whether the insurance pays. Insurance can only be insured through health notification. Different insurance companies have different requirements for health status, and the contents of the inquiry are also different.
If you don't tell the truth when you apply for insurance, you can apply to the insurance company for supplementary underwriting if the situation is not particularly serious, and the guarantee will remain valid.
If what you conceal is too serious, according to the Insurance Law, the insurance company has the right to terminate the contract without returning the premium, and some insurance companies may return you a little cash value in a friendly way.
When buying insurance in China to fill in the health notice, you can basically fill in according to this "three answers": answer whatever you ask; Don't ask or answer; Think carefully before you answer. If you are a friend with some minor physical problems, I suggest you read this article before buying insurance: 9 categories, 39 kinds of physical abnormalities, disease insurance raiders!
At present, there are two ways of health notification audit: intelligent underwriting and manual underwriting.
If intelligent underwriting fails, go to manual underwriting, because manual underwriting is more accurate and flexible. If manual underwriting fails, it will be replaced by other products, and those products with low health requirements will be replaced. Here are some products that are not so demanding on health, and you can collect them if necessary:
point out
1, please don't have a physical examination before you are ready to apply for insurance. You just have to answer truthfully what you know.
2. Friends who have experience in misdiagnosis should remember to tell the insurance company, because misdiagnosis is also recorded by the hospital, and not saying it may be considered as concealing health problems.