Consumer of insurance of clew of committee of supervisory management of insurance of Bank of China, when buying person insurance product, tell healthy state according to the facts please, misdirect of not credulous sale, avoid to be in produce insurance postaccident to appear manage compensate dispute, close right increase in order to safeguard oneself.
One, conduct propaganda of misdirect of not credulous salesperson. In selling a process, you may be encountered, individual insurance salesperson raises insurance cost with informing healthy state to will be faced with according to the facts, reject accept insurance to wait for, revulsive insurance consumer conceals true and healthy state to cast protect. Below this kind of circumstance, if produce insurance accident, produce physiology compensate issue easily, insurance consumer may cannot get insurance compensation or give pay, make derive from body rights and interests to be damaged.
2, the legal obligation that be being informed according to the facts is insurance consumer. " insurance law " regulation, conclude insurance contract, underwriter (point to conclude with policy-holder insurance contract, assume compensation to perhaps give the insurance company that pays insurance gold duty according to contract agreement) with respect to insurance mark or the concerned circumstance of insurant puts forward an inquiry, policy-holder ought to be informed according to the facts. Policy-holder perhaps was not fulfilled intentionally because of gross error tell obligation according to the facts, enough affects an underwriter to decide to whether agree with accept insurance to perhaps raise premium rate, the underwriter has authority to remove according to rated condition contract. Insurance consumer is fulfilled tell obligation according to the facts, followed relevant law regulation already, because did not inform dispute of occurrence manage compensate according to the facts,also can avoid.
3, answer healthy state inquiry according to the facts. Insurance device basically uses written means to ask insurant health state. Insurance consumer need fills in objectively healthy state questionnaire, if because time is ages ago,wait truly,mark not clear certain and healthy case, ask you to inquire the data of relevant diagnosis and treatment such as record seeing a doctor, diagnostic report in time, because healthy state is informed,avoid to forbid truly, affect insurance contract effectiveness.
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