7.8全国保险公众宣传日|健康告知认知偏差引发的拒赔风险

Group 1 - The core message emphasizes the importance of full disclosure of health conditions when applying for insurance, as failure to do so can lead to claim denial [1][2] - The case of Mr. Chen illustrates that even minor health issues, such as chronic gastritis, must be reported, as they can affect underwriting decisions [1][2] - The court ruling supported the insurance company's decision to deny the claim based on the applicant's failure to disclose relevant medical history [1] Group 2 - The insurance company advises consumers that having no hospitalization history does not exempt them from disclosing outpatient visits or ongoing symptoms [2] - Consumers are encouraged to cross-check their health status against the insurance application questions and to seek clarification on any uncertainties [2] - The company highlights that chronic conditions, even if common, can be viewed as risk factors during underwriting, potentially leading to exclusions or increased premiums [2][3]