What should I do when buying insurance if my medical report is lost?

If the medical report is lost, when you buy insurance, tell the insurance company that it will conduct an audit, whether it needs a medical report, and what standard medical report it needs. The insurance company will tell you after the audit. You can prepare the information according to the requirements of the insurance company. If you need a physical examination report, the comprehensive physical examination center can reprint it.

When you apply for insurance, you only need to fill in the answers truthfully according to the health notification questions provided by the insurance company. You don't have to provide a medical report.

First of all, there are only two kinds of health notices:

Limited notification: that is, ask and inform, answer whatever you ask, and don't say anything if you don't ask;

Unlimited notice: the applicant is required to inform the insurer of all the information that is known and should be known as much as possible, and shall not keep it.

At present, the domestic insurance industry mainly implements the former-limited disclosure, while the latter is closer to Hong Kong insurance.

Article 16 of the Insurance Law stipulates that:

When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.

Bottom line: If you have a question, just say it; if you don't ask, just don't say it.

Second, the supplementary notice:

It is easy to understand that I bought an insurance policy, but I didn't tell you the truth when I applied, and the policy was successfully underwritten. Now I'm worried that there will be problems with claims in the future, and I want to talk about it again. At this time, I can supplement the information to the insurance company.

As an item of insurance preservation, the applicant can further explain the problems that were not informed, unknown, wrong and biased when applying for insurance.

After the supplementary notice, the original insurance contract will be re-examined by the insurer.

Generally speaking, supplementary notice usually has three results:

1. The original conditions of the original insurance contract continue to be valid, that is, the supplementary contents are not enough to affect the original underwriting conclusion. For example, if the hospitalization history of appendicitis is not informed, the policy is still valid after supplementary notification.

2. The additional conditions of the original insurance contract continue to be valid, that is to say, the content of the supplementary notice affects the original underwriting conclusion, but it is not enough to refuse insurance. At this point, the underwriter will make treatment results such as fee increase and exclusion.

For example, the original standard of hospitalization insurance was excluded from the supplementary notification of hepatitis B virus infection.

3. The termination of the original insurance contract indicates that the abnormality of the notice is not within the insurable scope. For example, the supplementary notice of diabetes history, the original standard critical illness insurance refused to cover, and the insurance contract was terminated.