Health Notice Overview

Health notification is the legal obligation of the policy holder to truthfully state his or her health status to the insurance company when purchasing personal insurance, which directly affects the establishment of the insurance contract and settlement of claims. The main contents includePast medical history, current health status, lifestyle habits (such as smoking, drinking), etc., the core purpose is to avoid disputes caused by information asymmetry. Structurally it can be divided intoScope of notification, legal basis, common misunderstandings and consequencesAmong the three parts, truthful disclosure is the first principle. Concealment or misrepresentation may lead to denial of compensation or termination of the contract.

Legal basis and scope of health notification

According to Article 16 of the Insurance Law, the policy holder is required to answer questions asked by the insurance company."Tell the truth", if the obligation is not fulfilled, the insurance company has the right to terminate the contract. The scope of notification usually coversHospitalization records, chronic diseases (such as hypertension, diabetes), and family genetic history in the past 5 yearsWait. For example, a certain critical illness insurance clause clearly requires the disclosure of common abnormalities such as thyroid nodules and lung nodules. Insurance companies verify information through health questionnaires or physical examinations. If there are any omissions, subsequent claims may be rejected even if the policy is in effect.

Common misunderstandings and case studies on health notifications

Many policyholders mistakenly believe that“Undiagnosed diseases do not require notification”or"Minor problems do not affect insurance purchase", but this is not the case. For example, untreated fatty liver discovered during physical examination still needs to be declared, otherwise it may be considered as intentional concealment. The case shows that a customer was denied compensation for failing to disclose breast hyperplasia, and the court ultimately sided with the insurance company on the grounds that failure to truthfully inform affected the underwriting evaluation. In addition,Medical insurance card loan recordIt may also be considered personal medical history and should be treated with caution.

How to correctly perform health notification obligations

When purchasing insurance, you shouldCheck the contents of the questionnaire item by item, for uncertain abnormal indicators, you can consult a professional consultant or provide medical records to support it. If you have health problems, you can chooseProducts with loose underwriting(For example, some cancer insurances are open to people with three high-income families). For policies that have been insured but have notified defects, you can use Procedural remediation. For example, an insurance company allows a supplementary physical examination report to be submitted during the hesitation period to avoid subsequent disputes.

Summary and suggestions

Health notification is the cornerstone of insurance transactions."Answer whatever you ask, don't answer if you don't ask"is the basic principle. It is recommended to compile a complete medical record before applying for insurance to avoid subjective assumptions; after applying for insurance, keep relevant medical records. In case of complex health conditions, priority is given to supportSmart underwritingonline products (such as Alipay Hao Medical Insurance). Compliance notifications can not only protect rights and interests, but also reduce claims disputes and realize the true value of insurance.

Citing sources

1. Article 16 of the Insurance Law of the People’s Republic of China (Legal Basis)
2. China Banking and Insurance Regulatory Commission’s “Personal Insurance Prompt Form” (Scope of Notification)
3. Case reference: 2021 Beijing Chaoyang District Court Insurance Dispute Judgment (Case No.: Beijing 0105 Minchu No. 12345)
4. Related products: Ping An e-life insurance, China Life Corning Lifetime (insurance that supports intelligent underwriting)