The author | Cat Girl
The source | Big Cat Good Planning (ID: damaoplan)
As everyone should know, health insurance usually has health information, and many people may not be able to pass because of such and such small problems.
However, manual underwriting is afraid of leaving a record of refusal, which affects the purchase of insurance in the future, and does not dare to rush to try.
Don't worry, there is another function that can quickly let you know if you can insure, and there is no worries, that is, intelligent underwriting.
When we can't get through the health notice and can't directly apply for an insurance, we can also see if we can apply for insurance through underwriting.
That is to say, we will inform the insurance company of the specific situation of the physical abnormality, let the insurance company review, if the insurance company approves, there is also a chance to apply for insurance.
At present, underwriting is mainly divided into manual underwriting and intelligent underwriting, their effect is the same, whether you have passed the manual underwriting, or intelligent underwriting, you can insure.
The difference is that manual underwriting requires us to submit relevant information such as physical examination, hospitalization, surgery and so on to the insurance company, which is reviewed by the underwriting personnel of the insurance company and finally issues the underwriting result.
Smart underwriting, on the other hand, does not require the submission of information, and is similar to health assurance, only a few questions need to be answered (except that it asks more specific questions than health notices), which are automatically reviewed by the underwriting system and will soon see the underwriting results.
The following are the main differences between manual underwriting and intelligent underwriting summarized by Cat Sister:
In general, smart underwriting is simpler than the manual underwriting process, saves time, and does not have to worry about leaving records, it is recommended that you give priority to trying smart underwriting.
Of course, manual underwriting also has an irreplaceable role. When our body anomalies, we can't find the relevant options in the smart underwriting; or find the relevant options, but we can't get the questions it asks, and we don't know how to answer, it is necessary to carry out manual underwriting, after all, people are more flexible than the system.
So, how do you use smart underwriting?
At present, most of the online sales products support intelligent underwriting, and usually after the health notification is not passed, the entrance to the intelligent underwriting will pop up.
For example, there are thyroid nodules, and Darwin No. 6 is insured for serious illness.
The health notice has to ask "nodules", so it cannot pass, we need to select "Part is Yes":
Then the underwriting portal will pop up and we select "Smart Underwriting":
Then the system verifies our information, and then we can select the relevant anomaly, we choose "thyroid nodule":
Then, combined with our own actual situation, we can answer the questions raised by the system:
Finally, we submit the answer and immediately see the underwriting result:
If it is passed, then it can be insured, if it is not passed, it will not leave a record, and we will think of other ways.
Isn't it convenient and fast?
So when the health information is not passed, you may wish to spend a few more minutes, try smart underwriting, and maybe you can pass.
Moreover, the problem of smart underwriting is usually set according to the underwriting policy, and it is also a reference for groups with abnormal bodies.
However, we need to remind everyone that although the results of intelligent underwriting will not be recorded, we do not need to be informed when we buy other insurance, but now big data is very powerful, it is inevitable that it will be monitored, and then one day when applying for insurance, it may be intercepted by big data risk control... Therefore, smart underwriting can be tried, but do not try repeatedly, know the result of your underwriting.
Of course, Cat Sister still recommends that everyone configure the insurance when they are generally healthy, which will avoid the trouble of underwriting.