How to check the underwriting situation of critical illness insurance

The so-called underwriting of critical illness insurance is actually the process of health notification before we apply for critical illness insurance, which is also called underwriting. According to the form of underwriting, it can be divided into intelligent underwriting and manual underwriting.

There are also many kinds of critical illness insurance. Let's see how it is verified.

1. Subject matter underwriting

This is the best underwriting result and can be insured according to the comprehensive protection of standard insurance products.

2. Premium underwriting

This requires users to pay higher premiums than ordinary users, which is also quite common.

For example, under normal circumstances, it takes 5K to insure an insurance product, and some customers need 5.5K to insure this insurance product, which belongs to premium underwriting.

3. Excluded underwriting

This situation is more serious than the above two, but the premium is not necessarily higher than the premium underwriting.

Because exclusion of underwriting is not directly responsible for a certain disease or several diseases.

This also proves that the health of the insured is not very friendly and belongs to non-health insurance. At this time, the insurance company thinks that there is a high probability of major diseases in your organs and will not cover them.

In fact, it is also a means for insurance companies to control risks. For some people in urgent need of critical illness insurance, it is acceptable except underwriting.

Critical illness insurance underwriting is a step that everyone will encounter after taking out critical illness insurance. In order to avoid subsequent claims disputes, you should also tell the truth when making health notification.

Finally, I tell you that whether it is intelligent underwriting or manual underwriting, it is truthfully informed.

If you still want to know the underwriting situation of critical illness insurance, welcome to search for dad's insurance consultation!