I believe many of you may have encountered such a situation: after applying for insurance, they found the insurance company in an accident, but in the end, the insurance company refuse to pay due to the deviation of the health statement!

Is the insurance company too tricky?

The insurance company reported that it was not in line with the health statement when applying for insurance, and the refusal of the claim was justified, so that the two sides were prone to claim disputes.

If you do not meet the health requirements when applying for insurance, even if the insured is in settlement of the claims in the future, the insurance company can still refuse to pay, and the premiums will not be refunded.

Health statement is the most critical and complex step in the configuration of personal insurance. Therefore, health statement is a very important step which directly affects whether we can obtain insurance protection.

If you have already bought insurance, or are planning to buy one, there are three principles about health statement you need to be aware. Fill in the statement properly, so that we lower the risks of being denied the application, or denied coverage after we apply.

01  Inform only the situation being asked.

At present, most of the health statements insured are in the form of limited notice, that is to say, when the insurance company asks us questions, we have to answer them truthfully. In this sense, we do not have the obligation to answer to any questions that they do not ask.

You may feel that the terms of the insurance contract are as long as ten or even dozens of pages. How to fill in the health statement truthfully in the face of as many as dozens of statement terms? This is not a problem. You may as well consult a professional whenever you need one.

02  No deliberate physical examination required.

Health statement is to inform diseases that have been diagnosed. If it is not diagnosed in the hospital, it is unknown, and there is no need to inform. This situation is not a concealment.

On the contrary, after the physical examination, if the medical examination report issued by the hospital shows that some indicators are abnormal, then it must be informed.

Therefore, unless the insurance company clearly stipulates that a medical examination is required, we should not deliberately take a medical examination, which is equivalent to making trouble for ourselves and hence raising the insurance threshold.

03  Supplement statement in time.

The supplementary health statement is divided into three time periods:

1. Hesitation period:

Supplementary statement is made within this time period. If the review is not passed, the full premium can be refunded.

2. After the hesitation period and within two years of applying for the insurance:

If supplement the health statement fails to pass the review during this time period, the insurance company will ask for the surrender of the insurance, and only the cash value can be recovered.

3. Insured for more than two years:

According to the regulations, the insurance company cannot rescind the contract after receiving the supplementary statement during this period and still needs to perform the contract protection responsibility.

The choice of health insurance is inseparable from three key elements: coverage, , premium and health statement.

Health notification needs to follow the principle of maximum integrity, which is also the foundation of insurance contract signing. Therefore, correct understanding of health notification is an important part of successful insurance.

（Writer：Tina）