If I suspect I have cancer, what is the best insurance to buy?

Hello! If you suspect that your health is in trouble, the first thing you should think about should not be insurance, but check as soon as possible, and if you are sick, you will soon have medical insurance for major illnesses (at this time, you have hospital physical examination information, prove your health status, and if you suffer from a critical illness after 90 days, the insurance company will definitely pay for it). Commercial insurance companies are for profit, and if it is so easy to cheat insurance, then commercial insurance companies will cease to exist.

If you're lucky, you might get a claim; If you are unlucky, not only will you delay the best time (the critical illness observation period is 90 days, and you can't use your social security card to see a doctor within these 90 days, right?). Moreover, there are many channels or methods for insurance companies to prove whether they are insured with illness, and cancer is not something that can be obtained in a day or two), and they may not even get back the principal of the premium, and if the amount is huge, they may even be imprisoned.

I am saying this from an impartial standpoint, and I hope it can really help you. Peace be upon you! ~

If you buy insurance knowing that you have a critical illness, the insurance company will not cover it. It is best to go to the hospital to have it checked to determine if there is cancer.

Are you sure you've been to the hospital for a check-up too? It's useless if you check it!

Moreover, if 40 people buy critical illness insurance with an insurance amount of more than 100,000, they will have a 100% physical examination, and if they are checked, they still can't be insured!

I recommend that you buy a lifetime participating insurance with an early critical illness payment function!

Summary. Of course, cancer insurance can be purchased, and there are no restrictions on this by social insurance, while commercial insurance needs to be determined according to the type of insurance.

Of course, cancer insurance can be purchased, and there are no restrictions on this by social insurance, while commercial insurance needs to be determined according to the type of insurance.

Whether you can buy insurance if you have cancer depends on the actual situation:1After having cancer, most of them cannot buy critical illness insurance and medical insurance, but if it is thyroid cancer or prostate cancer, the health notice is more relaxed, for example, if thyroid cancer is cured for five years, it can also be excluded from critical illness insurance; 2.

If it is an accident insurance with health notice, it is generally not possible to buy it again, for example, an accident insurance that requires health notice stipulates that if the insured suffers from a malignant tumor, it cannot be insured, but if the accident insurance does not have a health notice, it can usually be bought; 3.Inclusive commercial supplement Huairusen medical insurance, such as Changsha Huimin Insurance, Shanghai Shanghai Huimin Insurance and other similar medical insurance, Rubber Gene does not restrict patients with pre-existing conditions from insuring, as long as there is local basic medical insurance, then even if they have cancer, they can also be insured. However, some inclusive commercial supplementary medical insurance will not reimburse for pre-existing conditions or the reimbursement ratio will be reduced.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

After a diagnosis by a medical institution or above, it is confirmed that you have cancer, and then you purchase cancer insurance, which is not effective. If you have medical knowledge in this area and know that you have cancer, you can survive the 90-day waiting period and then go back to a medical institution for treatment, this way of gambling with your life can be claimed by the insurance company.

Accident insurance can mainly improve the personal accident protection of the insured, the premium of this kind of insurance is not high, but the amount of accidental death and disability insurance provided is often as high as hundreds of thousands of yuan, so it is recommended that cancer patients give priority.

Consumer-based cancer insurance is more suitable for people with low premium budgets and focus on protection functions, and consumer-based general insurance has a shorter term. If you are younger, or have a limited premium budget, and value the protection function of insurance the most, then you may wish to directly purchase a pure consumption cancer insurance product, which can exchange the minimum expenditure for basic protection.

Return-type cancer insurance has the function of savings, and the premium is generally relatively high and the insurance period is relatively long. If you are over 35 years old or older, have good financial conditions and pay more attention to the savings function, but want to effectively protect the risk of cancer, then you can choose the return type.

Different insurance products provide different benefits in specific terms. Since cancer can be divided into carcinoma in situ and tumor according to severity, carcinoma in situ generally costs less, but there are special circumstances, and the cost of tumor is generally relatively expensive, therefore, some cancer insurance will only cover the tumor, but not carcinoma in situ.

In addition, some products also provide cancer hospitalization benefits, cancer surgery benefits, chemotherapy benefits, liver transplant or hematopoietic stem cell transplant benefits, and death benefits. Therefore, when choosing cancer insurance, you should pay special attention to its protection, the more comprehensive the protection, the better, of course, the corresponding premium will be more expensive.

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Hello dear! I'm glad to answer for you, you may have cancer, and it's good to buy that kind of insurance is cancer insurance. Cancer insurance is a type of critical illness insurance and belongs to health insurance.

Cancer insurance mainly provides protection for cancer, and because the severity can be divided into carcinoma in situ and tumor, different cancer insurance provides different protection.

If you can get cancer, it's better to buy that kind of insurance.

Hello dear! I'm glad to answer for you, you may have cancer, and it's good to buy that kind of insurance is cancer insurance. Cancer insurance is a type of critical illness insurance, and guessing is a kind of health insurance.

Cancer insurance mainly provides protection for cancer, because the severity of the shrine can be divided into carcinoma in situ and tumor, and different cancer insurance provides different protection.

Insurance refers to the payment of insurance premiums by the policyholder to the insurer in accordance with the contract, and the insurer shall be liable for the compensation of insurance money for the property losses caused by the accident that may occur as agreed in the contract. Insurance is the basic means of risk management under the conditions of economic development, and is an important pillar of the financial system and social security system.

People with cancer will have greater restrictions when purchasing insurance, such as critical illness insurance, medical insurance and other insurance products that require health notice, they usually cannot pass the health notice, so they cannot be insured, but if they are suffering from thyroid cancer, prostate cancer, etc., if there is no abnormal situation after waiting for a few years, there is still a chance to apply for critical illness insurance;

If it is cancer insurance, it cannot be purchased by cancer patients;

If it is an accident insurance, cancer patients can purchase accident insurance that does not require health notification, but there are also a small number of accident insurance that require health notification, such as an accident insurance that indicates that patients with malignant tumors cannot be insured;

In addition, there is no restriction on insurance that does not require the health of the insured, such as property insurance, for cancer patients, and can be bought; Inclusive commercial supplementary medical insurance, such as insurance similar to Shanghai Huimin Insurance, Changsha Huimin Insurance, and Beijing Inclusive Health Insurance, has no restrictions on the health of the insured, as long as they participate in the local basic medical insurance.

1.Basic medical insurance coverage, no waiting period, can be insured with illness, no limit to pre-existing conditions.

2.Tax-advantaged health insurance, medical expense reimbursement insurance, tax for one year. Advantages: You can apply for insurance with illness, no waiting period, and you can deduct individual income tax. Disadvantages: The reimbursement amount for people with pre-existing conditions is low and the reimbursement scope is narrow.

3.Thyroid Cancer Surgery with Critical Illness Insurance: Companies covered by thyroid disease can be excluded from critical illness insurance:

Tongfang Global: 6 months after surgery, Ping An Life: 6 months after surgery, Cindat Life:

18 months postoperatively, Sino-British Life: 2 years postoperatively, Zhongyi Life: 2 years postoperatively, Ruitai Life:

3 years after surgery: 5 years after surgery, ICBC AXA, etc.

4.Medical insurance for thyroid cancer: Fosun and Halo Medical Insurance. Breast cancer: Fosun and Breast Fruit Love Medical Insurance.

Extended Materials. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

Medicare originated in Western Europe and can be traced back to the Middle Ages. With the success of the bourgeois revolution, the cottage workshop was replaced by big industry, and the modern industrial contingent appeared. Due to the harsh working environment, the occurrence of epidemic diseases and industrial accidents makes workers demand appropriate medical attention.

However, their wages are low, making it difficult for individuals to pay for medical expenses.

As a result, workers in many places organized themselves to raise a part of the money to cover expenses in case of illness. But this form is not very stable, and it is small-scale, and the ability to resist risks is very low. At the end of the 18th century and the beginning of the 19th century, private insurance developed in Western Europe and became an important way for the state to raise medical funds.

Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and sociality. Therefore, the medical insurance system is usually enforced by national legislation, and the establishment of a first-class system, the cost is jointly paid by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risk caused by the illness or injury of the worker.

Commercial medical insurance.

It can be divided into reimbursement medical insurance and compensation medical insurance.

Reimbursement-based medical insurance means that the medical expenses incurred by patients in the hospital are reimbursed by the insurance company, which is generally divided into outpatient medical insurance and inpatient medical insurance.

Indemnity medical insurance means that the patient is clearly diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient** and care according to the amount agreed in the contract. Generally, there are two types of insurance: single illness insurance and critical illness insurance.

The above two types of medical insurance have similarities but differences, the similarity is that illness can only be covered.

Benign tumors: You can purchase some health insurance, life insurance, annuity insurance, personal accident insurance, non-auto insurance, home property insurance (car insurance), corporate property insurance and other products. Malignant tumors:

You can purchase life insurance, annuity insurance, personal accident insurance, non-car insurance, home property insurance (car insurance), corporate property insurance and other products.

Further information: Life insurance is a kind of life insurance, which is a life insurance with the life of the insured as the subject of insurance and the life or death of the insured as the payment condition.

Life insurance is a social security system, which can be divided into whole life, term life, survival insurance, life and death, etc. Life insurance has introduced a savings component, and the insurance company will pay the agreed premium to those who are still alive at the end of the insurance period.

On December 1, 2017, the "Standards for English Translation and Writing in the Field of Public Services" was officially implemented, stipulating that the English name of life insurance standard is life insurance.

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract. Guarantee the financial benefits of the insured in the event of old age or incapacity.

1. Annuity insurance may or may not have a definite term, but it is paid on the condition of the survival of the insured of the annuity insurance. In the event of the death of the annuity recipient, the insurer immediately terminates the payment.

2. Annuity insurance can make your later life financially secure. When people are young, they save their idle money to pay premiums, and when they are old, they can receive a fixed amount of insurance premiums on a regular basis.

3. Annuity insurance is very safe and reliable for annuity buyers. This is because insurance companies are required to draw liability reserves in accordance with the law, and the liability reserve system between insurance companies guarantees that even if the insurance company that insured the customer purchases the annuity goes out of business or goes bankrupt, the remaining insurance companies will automatically contribute to the annuity benefits for the purchaser.

4. Life insurance with the survival of the insured as the condition for the payment of insurance money, and the survival insurance money shall be paid in installments according to the insurance contract, and the payment interval shall not exceed one year (including one year).