健康告知收紧下保险保驾护航作用探讨【摘要】：互联网的普及和网民规模的扩大使得各个领域的传统行业积极探索科技革命的新出路，互联网技术为保险业注入了巨大的活力。保险公司在网络平台上推出几款性价比较高的网红产品，以宽松的健康要求、更加实惠的价格来博取网络消费者的眼球，在前期获得了大量的流量和人气。健康告知在保险合同中必不可缺的。从 2019 年下半年开始，传出互联网上的保险公司纷纷收紧健康告知的现象和趋势。这批皆是以往在互联网保险领域非常积极的保险公司，为什么他们会在健康告知上大做文章呢？研究这批保险产品的健康告知收紧现状，旨在探讨健康告知收紧的原因、健康告知收紧与未收紧对于保险产品的影响、在其这背景下保险是如何继续发挥保驾护航作用。【关键词】：健康保险、投保、健康告知、健康告知收紧Discussion on the escort function of insurance under the tight health information[Abstract]: The popularization of Internet and the expansion of Internet users make traditional industries in various fields actively explore new ways of technological revolution. Internet technology has injected great vitality into the insurance industry. Insurance companies launch several high cost-effective online red products on the Internet platform to win the attention of online consumers with the loose health requirements and more affordable prices, and obtain a large number of traffic and popularity in the early stage. Since the second half of 2019, it has been reported that insurance companies on the Internet have tightened their health notification, which are very active in the field of Internet insurance. Health notice is indispensable in insurance contract. The purpose of this study is to explore the reasons for the tightening of health notification, the impact of tightening and non tightening of health notification on insurance products, and how insurance can continue to play a role of escort in this context.[Keywords] : Health insuran...
