Can you buy insurance if you have cysts in your body, and can you buy insurance for liver cysts

If the cyst is not serious, has undergone surgery, and is in good pathological condition, it will generally not affect the insurance.

If the cyst is more severe but no surgery has been performed, it may have an impact on the purchase of critical illness insurance and medical insurance.

It should be noted that before purchasing insurance, you must truthfully inform your health situation, otherwise it may affect your future underwriting!

If you want to know some tips on health advice, you can check out this article:

What are the tips for health notification when applying for insurance?

Next, let's talk about the insurance that people with cysts in their bodies can buy.

1.Accident insurance: Generally not restricted

Accident insurance covers unintentional, external, sudden, and non-disease hazards, which are not directly related to the health status of the human body.

Therefore, whether there is a cyst in the body or not, it does not affect the choice to purchase accident insurance.

2.Life insurance: Most products can be underwritten normally, some products have additional fees, and some products have been refused

Life insurance coverage is related to death and total disability, but not to the occurrence of illness.

Therefore, there is no exclusion of coverage, only normal underwriting, additional fees and denial of insurance.

3.Critical illness insurance and medical insurance: some products are excluded from underwriting, and some products are rejected

If there is no surgery in the case of cysts, but the number of unilateral cysts does not reach more than 3 and the maximum cyst diameter does not exceed 5 cm, it is still possible to take out medical insurance and critical illness insurance normally.

In the face of the above-mentioned situation, the insurance company will generally make a decision to exclude the coverage or increase the coverage.

However, if there are many cysts in the body or the cysts are not in good condition, the product with stricter health notice will refuse the insurance.

If you want to know what critical illness insurance products are available with relaxed health notices, you can check out this article:

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

If you have an ovarian cyst, can you buy Ping An insurance?

You don't have to worry, of course you can buy Ping An's medical insurance.

According to your physical condition, you must tell the truth when you apply for insurance, so that the insurance company will definitely conduct a physical examination, and there are two ways to deal with it: (1) make a notice of refusal, (2) you can insure, but you need to add a fee.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

<> whether you will check for hepatitis B when you buy insurance depends on what kind of insurance you are buying, such as:

1.If you buy an insurance product that does not require health information, such as accident insurance, then you will generally not check for hepatitis B. Because this type of insurance product generally does not restrict the physical health of the insured person, the insured can directly purchase it;

2.If you buy an insurance product that requires health notification, such as critical illness insurance and medical insurance, then hepatitis B will generally be checked, and the insured must truthfully explain his or her illness when making health notice, and cannot conceal it, otherwise it may affect subsequent claims. However, the insured is not only a hepatitis B, but not necessarily can not apply for health insurance, taking a critical illness insurance about hepatitis B as an example, if it is a hepatitis B virus carrier, hepatitis B talk ant Xiao Sanyang, but is an asymptomatic carrier, and there is no abnormality in liver function, liver B ultrasound examination, hepatitis B virus DNA test, AFP examination, etc. in the past six months, then it can be covered as standard, otherwise it cannot be insured; If it is hepatitis B, it cannot be insured.

Liver cysts can be insured, and liver cysts have the opportunity to be insured with critical illness insurance, medical insurance, accident insurance, and life insurance.

For those who are interested in the four common protection insurances, you can see:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

You must know that accident insurance basically does not need to be informed, and it can basically be insured. Life insurance often has relatively relaxed health notification requirements, and it generally does not have much impact if you want to insure.

It is worth noting that health insurance such as critical illness insurance and medical insurance is relatively high, because health insurance has relatively high requirements for the health of the insured, and its health notice is often stricter.

Therefore, it is best for everyone to choose a product with a more relaxed health notice when buying insurance, so that the possibility of successful insurance will be greater.

For example, the health notices of the following critical illness insurance are relatively relaxed, and you can read them if you are interested:Latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

If you have a liver cyst, it will be more difficult to apply for medical insurance.

However, some medical insurance is still relatively relaxed, such as Ping An e-Life Insurance Zhongshen Long-term Medical (rate adjustable), which requires no more than 3 cysts to leak, no one has been diagnosed with polycystic liver, and the diameter is not more than 5cm can be underwritten.

Some medical insurance plans are either denied or excluded.

In addition, there are also opportunities to apply for critical illness insurance, such as the Versailles Plus critical illness insurance, which has more relaxed requirements, requires liver cysts less than 5cm and no other abnormalities to be underwritten, while some critical illness insurance is directly denied insurance.

Therefore, if you want to take out medical insurance and critical illness insurance, it is recommended to take a look at some products on the market that are more lenient in underwriting.

If you are sick to take out insurance, it is also recommended to read the following before applying:What are the tips for health notification when applying for insurance?

The above is all I have to sell and pay tribute to this issue, I hope it helps you! Hope!