Can someone who is already sick buy insurance?

If you are already sick, you can't buy insurance, but it also depends on what kind of disease you have, whether it's a major illness or a minor problem, and you can still buy it if you have a small problem.

What is the disease?

Being sick does not mean that you can't buy insurance, there is an underwriting process, the insurance company will score according to the severity of the disease, and if you reach a certain value, you can't buy it.

The scoring criteria of each insurance company are also somewhat different due to business strategies and other reasons.

Company A can't buy it, but Company B can.

Buying insurance is mainly a matter of health notification, from the strict order of health notification, respectively:

Annuity Insurance, Accident Insurance, Life Insurance, Cancer Insurance, Critical Illness Insurance, Medical Insurance, Annuity Insurance and Accident Insurance, generally have no health requirements, and medical insurance has the highest health requirements.

If you have a serious illness, you can buy critical illness insurance through underwriting, but if you have not yet experienced physical abnormalities, you can consider yourself first.

Hello! People who are already sick can first consider medical insurance, and secondly, commercial insurance with more lenient underwriting.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

For example, accident insurance that does not require health notices, cancer insurance with loose underwriting, and health insurance and life insurance that meet health notices.

However, in the case of sick insurance, there will generally be five outcomes: normal underwriting, additional underwriting, exclusion coverage, and extended coverage or denial of coverage.

The specific result also needs to be based on the underwriting results of the insurance product, and what we need to do is to fill in the health notice truthfully.

I understand the current mood of being a parent, but unfortunately, the insurance is unknown, the possible risks, the risks that have occurred are not within the scope of protection, so you can't buy insurance if you're sick, even if you can buy it, this kind of disease that has happened is not covered by the insurance, that is, the symptoms and consequences related to the disease, the insurance company is not responsible for compensation, so the insurance should be bought while you are young and healthy, don't wait until the risk occurs to think of insurance, Now we can only pray that your child will hurry up**.

Different diseases will have different results in different insurances. Usually, accident insurance does not have high health requirements, but when applying for critical illness insurance, life insurance, and medical insurance, the insurance company will ask about the health status.

The insurance that people who are already sick can buy includes:

1.Critical illness insurance, although the purchase of critical illness insurance requires a health notice, but it is not as long as you are sick that you can't buy it, for example, if you only suffer from colds, appendicitis and other diseases that can be cured soon after **, it does not affect the purchase of critical illness insurance;

2.Accident insurance, most of the accident insurance does not need to run health notice, even if health notice is required, it is relatively relaxed, usually as long as it is not suffering from malignant tumors and other serious diseases, then it does not affect the purchase of accident insurance;

3.Cancer insurance, as long as you are not suffering from cancer or cancer-related diseases, then you can buy it;

4.Property insurance, the protection content of property insurance has nothing to do with the health of the insured, so even if the insured suffers from illness, it will not affect the insured property insurance;

5.Most of the inclusive commercial supplementary medical insurance, such as Changsha Huimin Insurance and Beijing Puhui Health Insurance, do not have restrictions on pre-existing conditions.

In addition, there are many insurance products on the market that are specially designed for patients with diabetes, hypertension and other diseases.

Summary. Hello, dear, people who are already sick can buy annuity insurance, increased whole life insurance and accident insurance, which is not strict for physical underwriting and health requirements.

Hello, dear, people who are already sick can buy annuity insurance, increased whole life insurance and accident insurance, which is not strict for physical underwriting and health requirements.

If you want to buy health insurance such as medical insurance or critical illness insurance, you need to see whether your current physical health status can pass the underwriting.

Can you be insured in the middle of cirrhosis?

What kind of insurance do you need to insure?

Medical. In the middle stage of liver cirrhosis, it is impossible to buy health insurance at present.

Medical insurance is health insurance, and it is not possible to buy it at present.

Accident insurance, annuity insurance, and incremental whole life insurance can be purchased.

Medical insurance has relatively high requirements for physical health, and liver cirrhosis does not meet the conditions for medical insurance.

On the basis of social security and medical care, you can purchase local Huimin Insurance.

Huimin Insurance is an inclusive commercial medical insurance jointly launched by local medical insurance bureaus and insurance companies, which can be used as a supplement to social security medical care.

What does accident insurance mean?

Accident insurance is for death or disability compensation caused by accidents, and reimbursement for accidental outpatient and emergency and hospitalization medical expenses.

What does Zeng Hui Insurance cover.

If there is no problem with liver function and the liver function is normal, you can apply for critical illness insurance.

Huimin Insurance is to reimburse the hospitalization medical expenses caused by accidental diseases, including personal self-payment and self-paid expenses, which is the same as the commercial million-dollar medical insurance, but the deductible amount of the Huimin Insurance is higher, and the reimbursement ratio is lower.

Can I take it with illness?

OK. Huimin Insurance, you can bring and insure.

The biggest feature of Huimin Insurance is that there is no age limit, no health status, and you can apply for insurance with illness.

How do I vote. What city are you in?

Whether you can still buy insurance if you are sick depends on the actual situation:

1.If you only suffer from a minor illness that can be cured soon after **, such as a cold or hemorrhoids, then it generally does not affect the insurance and you can buy insurance;

2.If Jianwuguo suffers from a disease that is not particularly serious, such as Xiao Sanyang, breast hyperplasia and other diseases, then when purchasing insurance that requires health notification, such as medical insurance and heavy slag insurance, there is a possibility of exception, additional fee, and postponement of coverage, but there is also the possibility of standard coverage;

3.If you suffer from a serious illness, such as a malignant tumor or paralysis, then you cannot purchase insurance that requires health notification, such as critical illness insurance, medical insurance, etc. However, it does not affect the purchase of insurance that does not require health notification, such as inclusive commercial supplementary medical insurance, property insurance, social security, and tax-advantaged health insurance;

4.If you buy accident insurance, you don't need to inform yourself about your health, so even if you get sick, it won't affect your purchase. However, if you buy accident insurance that requires health notification, then it is generally more relaxed, as long as you do not suffer from a serious illness such as malignant tumor or paralysis, it will not affect the purchase.

Insurance is unknown, possible risks, risks that have occurred are not within the scope of protection, so you can't buy insurance if you're sick, even if you can buy it, this disease that has happened is not covered by insurance, that is, the symptoms and consequences related to the disease, the insurance company is not responsible for compensation, so insurance should be bought while you're young and healthy, don't wait until the risk occurs before thinking of insuranceExtended Resources:

1. Classification according to the mode of implementation.

According to the classification of the mode of implementation, insurance can be divided into compulsory insurance and voluntary insurance.

2. Classification according to the subject matter of insurance.

According to the classification of insurance objects, insurance can be divided into property insurance and life insurance.

1) Property insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. Including property damage insurance, liability insurance, credit insurance and other insurance business.

2) Life insurance.

Life insurance is insurance that takes a person's life and body as the subject of insurance. Including life insurance, health insurance, accident insurance and other insurance business.

3. Classification according to the underwriting method.

According to the type of underwriting, insurance can be divided into original insurance, reinsurance, coinsurance, and duplicate insurance.

4) Duplicate insurance.

Duplicate insurance refers to insurance in which the policyholder enters into insurance contracts with two or more insurers with the same insurance subject, the same insurance interest and the same insured event, and the sum of the insured amount exceeds the insured value. Like coinsurance, duplicate insurance is also a horizontal transfer of the original risk by the policyholder, and it is also the first transfer of risk.

It is mainly divided into three types: enterprise property insurance, motor vehicle insurance, and family property insurance.

1 Corporate property insurance.

1) Insured Objects All enterprises owned by the whole people, collectively owned enterprises, state organs, public institutions, and people's organizations can purchase enterprise property insurance from the company.

2) Coverage of insured property.

Property owned by the insured or shared with others for which the insured person is responsible; Property managed by the insured or kept on behalf of others; Have other legally recognized property in which the insured has an economic interest.

The following property may also be insured, by special agreement and as specified in the insurance policy: gold and silver, jewelry, jade, jewelry, antiques, books, paintings, stamps, works of art, rare metals and other precious property; livestock, poultry and other raised animals; Weirs, sluices, railways, culverts, bridges, docks, mines, equipment and materials in mines.