What should I do if I refuse insurance? Analysis of popular topics on the entire network in the past 10 days
Recently, "insurance refusal" has become a hot topic among social platforms and news media, and many consumers have encountered refusal due to health, occupation or insurance procedures. This article combines hot data on the entire network for the past 10 days to sort out the reasons for refusal, response strategies and industry trends for you to successfully acquire insurance.
1. Hot search list related to insurance refusal in the past 10 days
| Ranking | Keywords | Popularity index | Main discussion platform |
|---|---|---|---|
| 1 | Thyroid nodules are denied | 1,250,000 | Weibo, Xiaohongshu |
| 2 | Reasons for insurance companies to refuse claims | 980,000 | TikTok, Zhihu |
| 3 | How to buy insurance for hypertension | 860,000 | Baidu Tieba, WeChat |
| 4 | Insurance appeal process | 720,000 | Headlines, B station |
2. Common reasons and proportion of refusal (based on industry data)
| Reason for refusal | Percentage | Typical cases |
|---|---|---|
| Abnormal health | 63% | Nodules, three highs, hepatitis B carrying |
| Occupational Risk | 18% | Aerial operations, miners, divers |
| Age restriction | 12% | Seniors over 60 years old take critical illness insurance |
| Financial Underwriting | 7% | Insured amount does not match income |
3. Five major solutions after being denied insurance
1.Supplementary materials appeal: 40% of cases of refusal can be re-understood through supplementary physical examination reports, specialist certificates and other materials.
2.Replace insurance products: Choose insurance with loose underwriting (such as cancer prevention insurance instead of critical illness insurance).
3.Try multiple insurance companies: The differences in the underwriting standards of different insurance companies can reach 30%, and it is recommended to apply for 3-5 companies at the same time.
4.Accept additional insurance: According to statistics, about 25% of cases of refusal can ultimately be protected by increasing premiums.
5.Seek professional help: Insurance brokers can provide comparison services for underwriting rules for multiple companies, with a 50% increase in success rate.
4. New trends in underwriting in 2023
| trend | Specific performance | Influence the crowd |
|---|---|---|
| Intelligent underwriting popularization | 70% of companies launch AI pre-underwriting systems | Sub-healthy population |
| Special insurance types increased | Launch exclusive insurance for diabetes/hypertension | Patients with chronic diseases |
| Extended retrospective period | Medical record review of some companies has been extended from 2 years to 5 years | People with a history of medical treatment |
5. Expert advice
1.Self-check before insured: Free underwriting test is carried out through the insurance company's official website or third-party platform.
2.Tell me truthfully: 90% of claims disputes originate from the failure to truthfully inform the medical history, and it is recommended to fully disclose medical records.
3.Seize the opportunity: Some companies have launched the "Under Underwriting Easing Season", which can increase the pass rate by 15-20%.
4.Dispute resolution: If you think that refusal to protect is unreasonable, you can file a complaint with the China Banking and Insurance Regulatory Commission (12378 hotline), with a success rate of about 35%.
According to the latest regulatory data, the proportion of refusal/rejection of insurance complaints in 2023 reached 42%, but the success rate of secondary underwriting through professional guidance can reach 68%. It is recommended that consumers view the rejection of insurance rationally and take active response measures.
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