The health of the three high population is a big problem, and parents have three highs , can they b

The three highs buy insurance, which is divided into insurance types and specific conditions. Whether you can buy it depends on the underwriting results.

First, the types of insurance are different, and different insurances include education insurance, life insurance, medical insurance, pension insurance, critical illness insurance, accident insurance, etc., among which education insurance, pension insurance, dividend insurance and other types of insurance that are not related to illness basically belong to the scope of financial insurance. Accident insurance falls under the category of accidents, and critical illness is related to illness.

The financial insurance itself is biased towards the direction of financial management, so the requirements for physical fitness are not high, the income is also fixed, and it is not responsible for the disease, as long as it does not involve death, nothing will change. Therefore, you can buy endowment insurance, dividend insurance and other insurance that has little to do with illness for your parents, and you can also give the elderly a certain amount of protection.

The "three highs" are chronic diseases, so accident insurance can generally be purchased.

2. Whether or not you can buy insurance if there is a difference in the condition of the "three highs" has nothing to do with whether there is a real "three highs" in the body, and the basis for the insurance company's underwriting is the physical examination and medical records of the tertiary hospital. If your parents have three highs, but have not been recognized by a tertiary hospital, but have only passed the self-test and found it during the public health examination, you can try to apply for insurance.

The "three highs" refer to high blood pressure, hyperlipidemia and high blood sugar, respectively. The illnesses of the three are also different, and the underwriting rules for the three are also different in the insurance process. In general, people with high blood pressure can be insured if their blood pressure is stable and their blood pressure remains low.

The same is true for the other two diseases, except that hyperglycemia has a lower underwriting pass rate than hypertension and hyperlipidemia, after all, hypertension is relatively easy to control.

For the "three highs" insurance, before the diagnosis, medical insurance, critical illness insurance, and life insurance can basically be invested. After diagnosis, the underwriting pass rate is also very high when it is relatively mild and stable.

But,For patients with different degrees of three highs and three highs of different ages, the premium will fluctuate after the insurance is purchased。For example, medical insurance is reviewed once a year, and it is not excluded that you can apply for it in the first year and refuse to cover it in the second year.

For specific insurance plans, family members can refer to the insurance requirements and protection terms of different insurance companies for different types of insuranceThere will be differences between each company and each type of insurance, and the personal situation of each three-high patient is also different, through consultation and comparison, as long as it is not particularly serious in the first three-high patient, you can generally find the underwriting unit and insurance type, and the final result is subject to the underwriting review results.

Under normal circumstances, it is more difficult for these groups of people to insure their favorite critical illness insurance and millions of medical insurance products, but they still have the opportunity to buy insurance.

Friends who don't know how to buy insurance for their parents, you can take a look at this article: What are the [old people's insurance] and what insurance is good for your parents, you need to know.

1. Cancer insurance.

Cancer insurance is a benefit-based insurance, which mainly provides protection for cancer diseases as stipulated in the policy.

During the coverage period, if the insured suffers from a cancer disease as stipulated in the policy and meets the claim, the insurance company will pay a sum of insurance benefits as agreed. Then we can use this money to pay the ** fee and reduce our financial burden to a certain extent.

For those who don't know about cancer insurance, you can take a look at this article: what is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2. Cancer prevention medical insurance.

Cancer medical insurance is mainly used to reimburse the ** expenses incurred by our hospitalization due to cancer, and all expenses within the scope of cancer medical insurance can be reimbursed by cancer medical insurance.

3. Accident insurance.

With the growth of age, many elderly people do not move as well as before, and are prone to accidental falls, etc., and accident insurance is mainly to protect personal injury caused by external, sudden, unintentional, and non-disease events, so it is better to configure an accident insurance for the elderly.

Whether the three-high people can buy insurance depends on what kind of insurance they are insured. If you are applying for critical illness insurance, it may be difficult to do so because the health notification of critical illness insurance is stricter. However, the health notice for individual critical illness insurance may be more relaxed, so the specific health notice needs to be subject to the specific health notice.

If you have any other questions about the content of the health notice, you can also take a look at this article: Is the health notice of the insurance company making it difficult for us?

OK. You can explain the current physical condition of your parents to the insurance company and choose those types of insurance that are suitable for your parents.

Parents can buy insurance if they have three highs, but the insurance premium is very high, and there are more conditions for protection.

The three highs can also buy insurance. If not a serious illness, as well as the heart. There will be sudden illness. You can buy insurance, but if your insurance amount is relatively large. The insurance company will not lose this piece of fat either.

For people who have been diagnosed with the "three highs", there may be some insurance that cannot be purchased, but not all insurance cannot be purchased.

The "three highs" crowd can choose these insurances:

1.Health care.

It is recommended that the three-high population should first be equipped with medical insurance. Health insurance is a state welfare insurance that is not for profit, so even if there is a physical abnormality, it can still be insured.

2.Accident insurance.

Accident insurance mainly protects accidental injury, which has nothing to do with one's own disease, and generally does not need to be informed of health when applying for insurance, so no matter what type of "three high" patients are, they can be purchased.

Many insurance companies have different maximum insurance ages for accident insurance products, so you should pay attention to the issue of the age of insurance when buying, so as to avoid remembering that you need to buy insurance when you are unable to insure.

3.Medical insurance.

For medical insurance, people with "three highs" are not completely refused, and different insurance products have different requirements, such as cancer insurance, which can be bought by people with three highs, so when you choose, it depends on the product.

Test your anti-risk index, experts will interpret it for you for free!

2. Accident insurance.

Accident insurance transfers the financial risk of an accidental injury to us. Most accident insurance does not have health notice, so there is no need to worry about the parents being denied insurance if they have three highs. Because accidents are random and unpredictable, we can only take precautions and add a layer of protection to parents before the accident comes.

3. Part of the million-dollar medical insurance.

If the parents' three highs are not very serious and there are no other complications, some million medical insurance can also cover it. With the increase of parents' age, their physical functions are also declining, and they have three highs, and the probability of getting sick again is greatly increased, so it is very necessary to buy millions of medical treatment. And with millions of medical insurance, parents can not only reimburse medical expenses, but also have more confidence to accept good **.

In addition, there are many insurances on the market, you may feel at a loss when buying insurance, here is also a pit prevention guide for you, if you are interested, you can take a look: [insurance] which is good, how to buy cost-effective, hand in hand to teach you to avoid these pits of insurance.

Of course, yes, the first choice is an accident insurance for the elderly, basically there is no threshold, you can buy it if you are sick or not, you can report it if you bump and fall, and you can get it for 100 yuan a year; Secondly, you can choose cancer prevention insurance and cancer medical insurance, which mainly pay for and reimburse the medical expenses caused by cancer, not only for the three highs, but also for diabetes and advanced age.

OK. It can be equipped with cancer medical insurance and accident insurance. Small premium, large sum insured. It will be used for daily bumps.

As for what insurance to buy, in fact, the insurance products suitable for people of different ages are not the same, such as the elderly with three highs, you can consider critical illness insurance, medical insurance and accident insurance and other products, and people in their thirties and forties can add another life insurance.

How to buy insurance for different age groups? Everyone should have their own plan

1. Critical illness insurance.

Critical illness insurance, also known as critical illness insurance, is mainly used to protect critical illnesses, such as the insured's illness**, loss of income compensation, and payment of family expenses.

The probability of suffering from cardiovascular and cerebrovascular diseases is still relatively high, and a little attention may develop into a critical illness, so it is still necessary to buy critical illness insurance.

A comparison table of 136 popular critical illness insurances in China

2. Medical insurance.

Usually, as long as the medical expenses incurred in hospitalization can be reimbursed, which is suitable for people of all ages to be insured by Fengdanqiao.

Moreover, many medical insurance often only a few hundred yuan a year, you can buy millions of insurance amounts, and the cost performance is still very high, which is very suitable for people with poor physical condition.

3. Accident insurance.

Accident insurance mainly covers accidental injuries, and if the insured person is insured due to accidental injuries and meets the claim criteria, he can apply for a claim.

Whether it is a three-high group or a healthy ordinary person, it is suitable to buy accident insurance, and there are few health notices of accident insurance, and some products do not even have health notices, which is suitable for everyone to insure.

4. Life insurance. Life insurance is based on the life of the insured person, and if the insured dies due to illness, accident or other circumstances, the beneficiary can receive a lump sum compensation, this type of insurance is generally more suitable for the breadwinner of the family.

If the three-high group bears the heavy responsibility of the family, you can consider buying it later.

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

That's all there is to it, hope.

Yes, but it seems that people with high blood pressure can't buy health insurance. Other types of insurance are available.

Insurance covers future risks, and the elderly are not very rich in insurance for the elderly due to their poor physical condition and high probability of risk occurrence.

If you have suffered from high blood pressure, diabetes and other diseases before, health insurance cannot be bought, accident insurance should be available, but depending on the specific type of insurance, pension insurance and life insurance are generally not available. It is better to buy insurance locally, and it is relatively convenient to purchase insurance for claims and other services of insurance companies.

Hypertensive patients need to be insured according to the specific condition, need to tell the truth and submit medical records or examination reports, the insurance company's underwriting department to review after receipt, generally required to go to the designated hospital to accept the designated items of physical examination, if the physical examination results are not normal, may refuse insurance.

It is also possible to ask for an increase in the premium insurance, and it is also possible to make exceptions (no compensation) for the disease and complications of the disease, and there is also a possibility to limit the maximum benefit, of course, these additional conditions are not accepted, and the insurance company will not charge the medical examination fee.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

High blood pressure, hyperlipidemia, and hyperglycemia are collectively referred to as the three highs, which can cause diabetes, cerebral infarction, stroke, arteriosclerosis and other diseases.

At present, there are about 350 million people in China's three high-level people, 40% of whom are under the age of 40, and many of them are the backbone of the workplace and the breadwinner of the family. However, patients with three highs have not been treated kindly when purchasing insurance, and most of the medical insurance and critical illness insurance cannot be bought.

However, the three highs do not say that there is no insurance to buy, the first thing that can be purchased is cancer insurance, because at present, more than 70% of the critical illness insurance is cancer, so cancer insurance is also essential, and cancer prevention insurance is specifically to protect cancer and carcinoma in situ. There is also accident insurance, which can cover accidental medical treatment, accidental disability and accidental death, and there is no requirement for physical conditions, which can protect us from large and small accidents in our lives, so it can also be purchased.

Test your anti-risk index, experts will interpret it for you for free!

Under normal circumstances, people with three highs (hypertension, high blood lipids, and high blood sugar) can purchase accident insurance, because accident insurance mainly protects accidental injury, and there are not many restrictions on diseases, and even some products do not have a health notification link, which is very friendly to people with three highs.

Here the senior sister has prepared a strategy for taking insurance with illness, and friends in need can check it by themselves:Remember these 5 steps to get you sick and get out of the insurance smoothly!

In addition, people with three highs can also try to take out cancer insurance.

Cancer insurance mainly protects cancer, so its health notice will be more relaxed, and the questions asked are generally related to cancer diseases, so the probability of successful insurance for the three highs is also relatively high.

At present, cancer is a high-incidence critical illness, and it is more practical to have a cancer prevention insurance, which can at least add an extra protection to yourself.

As for critical illness insurance and medical insurance, whether the three highs can be purchased depends on the severity of the condition and the specific provisions of the rock production judgment, if the condition is not very serious, and the health notice of the product is more relaxed, then there is still a chance to successfully insure it.

However, if the product is equipped with intelligent underwriting, even if the health notification cannot be successfully passed, it can also enter the intelligent underwriting, further explain the disease, and maybe finally successfully apply for insurance. And even if it can't pass smart underwriting, it won't leave a trace.

There may be many friends who don't know the difference between smart underwriting and manual underwriting, but you will know after reading this article:What is the difference between smart underwriting and manual underwriting? This article will take you to understand the correct posture for insurance before you go! Hope.