When applying for insurance, you need to make a health notice, and the questions you tell will sometimes be very detailed. I have many customers who have a very long history of physical examination reports when applying for insurance, and some diseases do not have specific grading results or detailed index data, and they need to go to the hospital for a single review to be clear. For example, common thyroid nodules are classified as 123456 grade according to severity.
To be on the safe side, I recommend not rushing to get a medical examination first.
Step 1,Truthfully apply for insurance according to the old medical examination reportto make sure you at least protect it first. Try to find insurance with easy underwriting. If it cannot be found, the part without data will be notified as "none" or "worst". In this case, some conditions may be excluded.
If there is no insurance to buy in the first step, then go for a physical examination to find out the symptoms that you have not figured out, and see if you can pass the health notice.
If the first step is to buy insurance, then the second step is to go to the hospital for a medical check-upRemedy the excluded part。If the results of the medical examination are good, then surrender the policy and reapply. If the results of the medical examination are worse, then don't toss and use the insurance you bought in the first step to live the rest of your life.
The second step of the physical examination must be done quickly, because it is necessaryDecide before the insurance cooling-off periodWhether you want to surrender the insurance and re-apply. Otherwise, if the insurance is underwritten and then surrendered, the loss will be very large, and many people may not be willing to toss and re-insure.
Can I re-apply for insurance in a short period of time?
Many people have this kind of question, in fact, surrender and reinvestment will not punish the risk control mechanism of the insurance company, and will not doubt your authenticity. As long as your medical examination results are genuine, there is no problem with re-casting. Just like our online shopping returns, the bank card information is filled in incorrectly, and the insured amount is less, which are the reasons for your normal surrender and reinvestment.
After taking out the insurance for a long time, I found that my body has improved, should I re-apply?
Generally not recommended as you may not be able to accept the surrender fee. It is recommended to add insurance and buy more with the current good physical condition. In this way, both the old and new insurance plans can be used.
The above is a brief answer.
If you have any questions, please comment or send a private message, and I will reply promptly.