recently received a request from readers for help. The thing is this:
This friend bought a copy of critical illness insurance a few years ago. Recently, he looked at his physical examination report a few years ago and remembered that there was a minor problem that he did not inform him. The normal operation was to provide additional information to the insurance company.
However, the answer given by the insurance company's customer service is very fascinating, that is, whether the negative answer affects the validity of the policy and whether it can continue to be covered.
just let the reader decide whether to continue paying fees. Why does the insurance company have this attitude?
is actually very simple to think about, because the policy has been effective for more than two years. According to the relevant provisions of the two-year non-defense clause, no matter whether the content not truthfully informed affects the underwriting, the insurance company cannot refuse the policy and terminate the contract.
, so I gave such a vague reply.
did not provide health notifications, and only after purchasing insurance, I found that there are probably many partners who have this situation.
In order to ensure the effectiveness of insurance policy and avoid claims disputes, it is best to contact the insurance company for additional notifications to make up for the forgot and missed complaints.
01
So how to provide additional information?
supplementary health notifications are generally divided into hesitation period and outside the hesitation period.
If
is in the hesitation period, even if you fail to inform and are asked to cancel the insurance, you can still get all the premiums back.
But if it is outside the hesitation period, the cash value can only be returned. After supplementary notification of
02
, can our insurance still be covered?
will have standard underwriting, premium underwriting, exclusion underwriting, and refusal.
As long as your health problems are not serious, you still have the opportunity to cover the standard.
If a serious illness occurs, there is a high probability that the insurance will be rejected.
It is worth mentioning that if the policy is less than two years old, the insurance company can terminate the contract, but the policy has been effective for two years, the insurance company cannot request a refund.
Because of the "two-year non-defense clause", many friends think that as long as two years are gone, the insurance company will always pay the insurance company if it is in danger.
Is this true? Then if the policy has been more than two years, will the insurance company be able to refuse insurance and must pay for it no matter what disease?
is not the case. Let’s look at the provisions of the Insurance Law on the “two-year non-defense clause”:
If you fail to truthfully inform your own fault, the subsequent accident is related to the uninformed disease, and the insurance company will not bear any responsibility.
In short, if the principle of maximum integrity of is not followed, the two-year non-defense clause may not apply.
is insured by the starlings. Our suggestions are always that the insured must strictly check the health notification requirements of the types of insurance they invested. Once they do not meet the requirements, they must either wait for the underwriting results after being informed, or give up the insurance voluntarily, and must not conceal the medical history to take out insurance.
also needs to be carefully read in the health notification, confirm that there is no problem, and then click "I confirm that there is no above problem", or other similar options.
If there is no notification caused by negligence, the insurance company should be notified for additional notification after understanding. Avoid affecting claims and spending money in vain.
here also hopes that everyone can pay more attention to health, change bad living habits in daily life, quit smoking and drinking, and exercise more to maintain a good body.
