Can I buy critical illness insurance for diabetes?

Diabetes generally cannot buy critical illness insurance, because diabetes itself is a major disease, and diabetes will also bring many complications, so diabetics do not meet the requirements for insurance!

Is diabetes a major disease? Is there any compensation for the critical illness insurance I bought?

Hello this friend, diabetic patients can buy critical illness insurance, dad just saw a critical illness insurance for diabetic patients here, I hope it will help you:

Sugar Insurance Critical Illness Insurance is a critical illness insurance product launched by Ping An Life designed for diabetics, and can also be insured for diabetics. In addition to critical illness and mild illness protection, Sugar Insurance can also add diabetes complicated with specific critical illness benefits to increase the protection strength. So, what about the specific coverage of Ping An Life's sugar insurance?

Insufficient protection against diabetes?

The insurance liability of Ping An Sugar Insurance is relatively simple, 100 kinds of critical illnesses will be paid 1 time 100% of the sum insured, 50 kinds of minor diseases will be paid 3 times without grouping 20% of the sum insured, and the death benefit will be paid out of the sum insured.

So what are the characteristics of Ping An Sugar Insurance?

1. Exclusive health management services for diabetic patients.

Health assessment: including diabetes AI risk assessment, file management, and recommendations;

Life management: including dietary guidance, exercise guidance, and sugar control experience sharing and exchange;

Medical services: **Advice, blood glucose monitoring, etc.

It is worth mentioning that this service is only covered for 3 years! These services can help you improve your health and reduce the risk of diabetes complications.

2. Diabetes complicated by specific critical illness insurance.

5 types of diabetes specific critical illness, 1 claim, 100% of the sum insured each claim, let's take a look at the specific diseases:

The above 5 special diseases are all complications of diabetes, and the protection responsibility of sugar insurance is like general medical insurance, which can be guaranteed to be renewed for 5 years if bought once a year, and can be renewed up to 64 years old.

And it is guaranteed to be renewed for 5 years, and the renewal after 5 years may need to be reviewed, if the insured does not meet the renewal conditions after 5 years, then it can not be bought again.

So what about the premium** for this additional liability:

Suppose 30-year-old Mr. A applies for 500,000 yuan of sugar insurance and pays for 25 years, paying 12,050 yuan per year, and if he chooses to add 300,000 yuan of diabetes insurance, he needs to pay an additional 540 yuan per year.

In general, Ping An's diabetes-exclusive critical illness insurance premium** is still quite expensive, but for diabetic patients, if you can't buy critical illness insurance due to health notice, or feel that sugar insurance is too expensive, you can choose other products, and then Daddy will tell you how to apply for critical illness insurance: "The correct posture of critical illness insurance, Daddy will teach you a few tricks!" 》

How should diabetics or their family members buy insurance if they want better protection? Daddy is here to tell you!

How do I get insurance if I already have diabetes?

Critical illness insurance has strict health notices for diabetes, and Ping An Sugar Insurance and Centennial Sugar Insurance are exclusive to diabetics.

Yu Daddy Bao.

Straight to the conclusion:

If you want to be more comprehensive:Ping An Sugar Insurance has more protection for critical illness, and it has mild disease protection, which is more friendly to diabetics.

If you are sensitive to **:The premium rate of 100 years of sugar discount is relatively low.

From the rate of view, it can be seen that the rate of these two types of critical illness insurance is not low, and the protection content is relatively thin compared with ordinary critical illness insurance, and in fact, the cost performance is not very high. This type of critical illness insurance and insurance that covers the complications caused by diabetes has a short coverage period, low sum insured, and few types to choose from, so we do not recommend purchasing such products.

For diabetics, if you want to get better protection for critical illnesses, medical insurance is a must, in addition, you can also match yourself with a tax-advantaged health insurance.

Tax-advantaged health insurance is a policy product specially provided for taxpayers, the biggest advantage is that you can take sick insurance, there is no waiting period, it is actually a one-year medical consumption insurance + universal insurance.

In China, as long as the non-retired person who has reached the age of 16 can provide a tax certificate for more than 1 year, he can apply for insurance. The annual fixed payment is 2,400 yuan, and the rest of the money is deposited into a personal account except for part of the payment for medical insurance.

"Comparison Table of 136 Popular Critical Illness Insurance Products in China".

Not necessarily. Type 1 diabetes.

It is covered by critical illness insurance, and type 2 diabetes.

It is not covered by critical illness insurance.

Compared with type 1 diabetes, type 2 diabetes can be controlled only by paying attention to diet and medication.

And if it is a disease caused by diabetes that is eligible for critical illness insurance, it is also covered by its coverage, such as:

Complications of diabetes.

Caused unipedal amputation, severe diabetic nephropathy, etc.

Diabetes is not covered by critical illness insurance, and the specific requirements depend on the provisions of the insurance contract, and the critical illness covered by each critical illness insurance product is different. Want to know what insurance products can be purchased by diabetics? The following article tells you:

The list of products that can be insured for diabetes is newly released, don't miss it when you pass by!

For example, the critical illness protection in the Versailles Plus critical illness insurance under Tongfang Global Life Insurance includes type I diabetes, insulin-dependent diabetes, diabetes complications and other critical illnesses. However, small partners should pay attention to the fact that not all these diseases will be paid, and some diseases need to meet certain conditions. For example, type I diabetes or insulin-dependent diabetes requires you to meet one of the two criteria: pacemaker-implanted** heart disease or unifoot amputation of the ankle or above.

What else do you want to know about insurance? Take a look at the following article: Super Complete!

Everything you need to know about insurance is here.

If you have diabetes and want to buy critical illness insurance, then you need to analyze the situation on a case-by-case basis. For example, if the diabetes condition is relatively mild and the small partner in the early stage is in the early stage, it is possible to be able to apply for critical illness insurance. We all know that when applying for critical illness insurance products, you need to go through health notification, and the health notification of critical illness insurance is relatively strict.

For us, it would be better to choose critical illness insurance with more relaxed health notices, so that the probability of our insurance success will generally be higher. Senior sister here has compiled a list of critical illness insurance products with loose health notices, and interested partners can learn about: Top 10 [Loose Health Notices] Critical Illness Insurance Points!

High blood sugar can buy critical illness insurance. How to choose critical illness insurance, this list must be seen: "The latest critical illness insurance list in 2021, which one is better to buy critical illness insurance?" 》

It is recommended to dispel this idea, high blood sugar may lead to a variety of serious diseases, and the insurance company can refuse to pay, then there is no point in you participating in insurance.

You can buy it, that is, you must truthfully explain your condition before selling. Otherwise, the insurance company will have sufficient reasons to refuse the claim.

No, unless you sign a no-liability clause, that is, there is no compensation for diseases caused by diabetes, but you can consider so many diseases yourself.

No, after being diagnosed with a chronic disease, you cannot buy critical illness insurance.

It is estimated that no, before purchasing critical illness insurance, the reimbursement company will take you to a physical examination first.

No, unless you sign a no-liability treaty, there is no coverage for symptoms caused by diabetes.

Check it out! After all, there is a lot of instability in this disease

If you have diabetes, you can buy critical illness insurance, but it is very limited, mainly some accident insurance, cancer prevention insurance and tax-advantaged medical insurance with very relaxed insurance conditions. Diabetes is an essential part of the health notice of critical illness insurance, and once diagnosed, it is impossible for insurance companies to underwrite common medical insurance, critical illness insurance, and life insurance, and usually refuse to underwrite it.

Critical illness insurance is necessary. Due to environmental pollution and food safety problems, the probability of human suffering from diseases is also increasing, and the medical expenses required for serious diseases are also quite expensive, which not every family can afford. If you buy a critical illness insurance for yourself or your family, you can get a sum of insurance money if you make a claim in accordance with the contract in the event of a critical illness, which can also relieve the urgent need and reduce the burden on the family.

Therefore, it is still necessary to buy critical illness insurance.

Summary. Hello, diabetes does not necessarily fall under critical illness insurance, because there is also a difference between mild, moderate, and severe diabetes.

Mild to moderate diabetes is not covered by critical illness insurance, and it is called critical illness only if severe diabetes is severe and causes related complications.

Therefore, it depends on the current physical condition and diagnosis.

Is diabetes covered by critical illness insurance?

Hello, diabetes does not necessarily fall under the coverage of critical illness insurance, because there is also a difference between mild, moderate and severe diabetes. Mild to moderate diabetes is not covered by critical illness insurance, and it is called critical illness only if severe diabetes is severe and complications that cause relevant clearance searches. Therefore, it depends on the current physical condition and diagnosis.

Type II. Dear, I'll give you another answer. This will take at least three minutes, so please be patient and give it about three minutes.

Type 2 diabetes is a chronic disease, and other serious complications caused by type 2 diabetes are critical illnesses If it is just type 2 diabetes, it can be controlled through regular diet and exercise, and it is not a critical illness.

Can I buy insurance for diabetes?

At present, diabetes is mainly divided into the following types:

Type 1 diabetes: patients lack the ability to secrete insulin and need to inject insulin, which is more common in adolescents with type 2 diabetes: caused by the body's inability to use insulin effectively, about 90% of patients fall into this type.

Gestational diabetes: More insulin is needed in the second and third trimesters of pregnancy, but the body does not secrete enough diabetes, which will lead to a series of serious illnesses and mild diseases, so if it has been diagnosed, basically critical illness insurance and medical insurance will be denied. For this group of people, a better option may be cancer insurance and cancer medical insurance.

Because diabetes and cancer are generally not directly related, there are no restrictions on the insurance of diabetic patients on the market.

Gestational diabetes: For applicants whose blood sugar returns to normal after childbirth, it can generally be covered on a standard basis.

Can I buy accident insurance for diabetes, and what protection can accident insurance give??? Ask for answers.

Accident insurance protects against external, sudden, and non-subjective accident risks, no matter how old you are or what disease you have, you can buy it.

It mainly depends on what kind of diabetes you have, and the general insurance company is more strict in this regard; However, most insurance companies have this kind of insurance. If you can't buy critical illness insurance, you can also buy other related insurance.

Critical illness insurance refers to the specific critical illness insurance provided by the insurance company; When the insured reaches the critical illness status agreed in the insurance clause, the insurance company pays the insurance money according to the insurance contract.

Critical illness insurance payouts: According to the new regulations, some diseases will be paid according to the severity of the disease, and the policy can be renewed, and the number of diseases covered has also increased.

If you don't know how to choose insurance, you can go to Mercury Insurance for a consultation, they provide professional guidance to customers and help you solve any questions you may have about insurance.

As a new Internet insurance service platform, Mercury Insurance uses the AI-intelligent planning system to provide scientific, professional and objective one-stop life cycle planning services for middle-class and high-net-worth customers in the new era, covering family security planning, education fund planning, pension planning and other services.

It depends on what kind of insurance you want to buy, and there is no problem in buying accident insurance, because it only covers life injuries caused by accidents.

If you want to buy medical treatment, it is really troublesome, because diabetes belongs to the category of major diseases specified by the Insurance Regulatory Commission, and the general insurance company will not take this risk, and if you deliberately conceal the condition, although you say that the name is not yours, but the insurance company can come out to do business naturally has his ability, if it is really found out, it is not good.

There is a way to try it, but it may not be able to buy, that is, if you must buy medical treatment, you can directly tell the insurance person your actual situation, you can ask the person to list your illness as an invalid clause, that is, not to pay compensation, that is, if you are because of diabetes caused by medical expenses, the insurance company does not pay, but the other can still be paid by the insurance company.

This method was taught to me by others when I was working in an insurance company before, and I don't know if it will help you, because not all companies are willing to do this, because after all, the risk is still quite large.

Also, don't be fooled by ** people when buying insurance, sometimes the promises he gives may not be fulfilled, because ** people's mobility is still very large, mainly to read the contract text clearly, I hope it will help you