Do you still need to worry about health notification when you apply for group insurance?

Usually, the policyholder of group insurance is a corporate body of some enterprises and institutions, and the insured may be an internal member of the corporate body or may underwrite the family members of the group members. In all kinds of insurance business in China, group insurance is the first. So what does group insurance mainly protect? The main guarantee is the life safety of employees within the group, protecting personal risks such as death and disability, and preventing personal risks from damaging employees' lives.

2. What are the benefits of group insurance?

1, the price is lower than general insurance.

Group insurance is also an embodiment of employee welfare. Generally, when taking out personal health insurance as a guarantee, the insurance cost is high, and the cost of medical insurance may need tens of thousands of yuan per period. The price of group insurance is much lower than that of individual medical insurance. Because in enterprises and institutions, most members will participate in insurance together and share some common risks to some extent. Moreover, people who work in enterprises and institutions have a stable life and career, and their physical condition is proved to be good through physical examination. Insurance companies will think that these groups are in good health, thus reducing the pricing of insurance products. I just sorted out the relevant contents about the medical examination of buying insurance, hoping to help you: Do you need a medical examination before buying insurance?

2. The health notification of group insurance is relatively loose.

Health information is the key to many people's insurance failure, and health information is relatively loose in group insurance. When group insurance carries out health notification, it is aimed at all members of enterprises and institutions, so the content of health notification is simpler than that of individual insurance, and the number of questions is less. If there are employees with special physical conditions in the group who apply for group insurance, the insurance company can add other health notices for such employees separately, which is similar to life insurance. How about PICC insurance? I just sorted out the relevant contents, hoping to help you: How is PICC China? Do you have any insurance recommendations?

3. Enterprises and institutions insured by group insurance have more right to speak and flexible forms.

Compared with individual insurance, enterprises and institutions have more say in discussing insurance matters with insurance companies. Large enterprises and institutions can have an advantage in bargaining if their previous claims are of good quality, and they can get more discounts on premiums. They can also choose flexible insurance schemes and enjoy more autonomy while fully discussing with insurance companies. Which insurance company is stronger? I just sorted out the relevant content, hoping to help everyone: the latest list! Top Ten Insurance Companies in China