Some friends found some minor problems on their bodies after physical examinations, such as nodules, polyps, etc.
Obviously, the doctors said that there was no big problem, just take care of the disease, and some didn't even prescribe medicine.
Why is it that when it comes to insurance, the insurance company will exclude these minor illnesses?
Some friends may think that insurance companies have cooperation with many hospitals, and our physical examination results are also interconnected between hospitals and insurance companies.
So why is the doctor's conclusion different from the one given by the insurance company?
This is actually a question of the position of the two.
From a doctor's point of view, our disease is from the perspective of clinical medicine.
What they have to consider is what impact the current illness has on their body and life, and whether they need it.
Based on these, we will make targeted recommendations on whether to take medicine or surgery.
Insurers, on the other hand, consider from the perspective of underwriting medicine, focusing on long-term, future risks.
For example, what is the probability of the disease we suffer from in the future, whether it is more likely to occur than that of people who are not sick, whether the risk is within the scope of the insurance company, and so on.
Although both have the name of medicine, they are not exactly the same system.
Different angles of looking at the problem will naturally lead to different conclusions.
The insurance company underwrites except for the minor problems that the doctor said, and many friends may think that this is the insurance company shirking its responsibilities and not wanting to make a claim after the insurance.
But in reality, it is closely related to the survival of insurance companies.
After all, insurance companies are commercial organizations, and their purpose is also to make a profit.
In order to ensure maximum fairness on the basis of profitability, it is necessary to accurately price risks by means of health notification and underwriting.
Only when healthy people pay less premiums, those who have minor physical problems pay more premiums or exclude some disease liabilities, and people with serious illnesses generally cannot be underwritten, can the relative stability and fairness of the insurance market be maintained.
Therefore, friends don't have to worry too much, after all, if everyone buys insurance according to the same conditions, the premium will inevitably rise very high.
As in the real-life case of a friend we discussed earlier, even the same person, insured by different insurance companies, will have different underwriting results.
My friend has taken out a total of 7 critical illness insurance products from 7 companies, one of which is denied, one is excepted, one is extended, and four can be underwritten by standard body.
This is also easy to understand, after all, each insurance company has different insurance liabilities, different insurance rates, and different premium scales.
Therefore, even if the same health condition is the same, the risk is different from one insurance company to another.
First of all, it is important to buy insurance as soon as possible when you are in good health.
If there is no abnormality in the body, the insurance company will naturally not be able to pick out the thorns, so it can allow us to insure the standard body.
Secondly, after the insurance is successful, it is best not to have a medical examination during the waiting period.
Otherwise, once something is found out, it is very likely to be directly excluded, and even the insurance contract will be terminated.
Of course, if the physical examination is really done, then the results of the physical examination and the relevant medical information must be kept.
This is important for us to pass the underwriting and later claim the claim.
So, you don't have to think that the insurance company is deliberately getting rid of liability except for these minor problems.
After all, this is also for the sake of fairness, and it is also to better protect our relevant rights and interests.
We should also take care of our bodies, exercise more, and maintain good living habits.
At the same time, buy insurance as soon as possible to provide yourself with complete protection.