Generally, when formally applying for insurance, the company will check whether the contents and information provided in the formal application form are consistent with the contents of the pre-consultation form, pre-information and pre-consultation reply. If there is any inconsistency, it will be handled as follows:
If the regular insurance plan is: 1) the main insurance coverage is reduced; 2) The amount/grade of additional risks is reduced; 3) Cancel some additional risks; The reply before consultation is valid;
If the regular insurance plan is: 1) the main insurance coverage is increased; 2) The coverage/level of additional risks is improved; 3) New additional risks have been added, and the reply of the consultation is invalid;
If the regular insurance plan extends the payment period, the reply before consultation is invalid;
If the formal insurance plan shortens the payment period, the reply before consultation is valid;
When formally applying for insurance, if there is health/financial notification or the underwriting information provided is inconsistent with that provided during pre-consultation, the pre-consultation reply is invalid.
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