Can you buy insurance if you have a history of mental illness, can you buy insurance if you have a h

Commercial insurance is basically not available, and you can participate in social security or agricultural medical insurance, urban residents' medical insurance or new rural cooperative medical care. For details, please ask the Social Security Service Center at 12333

Mentally ill persons are incapacitated for civil conduct and therefore cannot purchase insurance.

Article 55 of China's Insurance Law stipulates that the policyholder shall not take out life insurance for a person with no civil capacity for civil conduct, and the insurance company shall not underwrite it. According to this provision, the insured person in the life insurance contract whose death is the condition for the payment of insurance benefits shall not be a mentally ill person, and of course a mentally ill person cannot become an insured.

However, the law does not stipulate that a mentally ill person cannot be a beneficiary of a life insurance contract in such a case. Therefore, if you want to buy a life insurance that is conditional on death, you can designate the relatives of the mentally ill person as the beneficiaries of the contract.

Of course, it is possible to purchase a life insurance contract for a mentally ill person other than death. This is not prohibited by law. Secondly, the designation of the beneficiary of the mental illness and life insurance.

Article 61 of China's Insurance Law stipulates that the beneficiary of life insurance shall be designated by the insured or the policyholder, and the consent of the insured must be obtained when the policyholder designates the beneficiary. If the insured is a person with no or limited capacity for civil conduct, the beneficiary may be designated by his guardian. What this means is that if you purchase a life insurance contract other than death for a mentally ill person, if you want to designate a beneficiary, you need to get the consent of the mentally ill person's guardian.

Otherwise, the designated beneficiary is invalid. Thirdly, if the insured suffers from mental illness after purchasing life insurance, the insurance contract will not become invalid due to the change of the insured.

If the insured of a life insurance contract commits suicide due to mental illness after the effective date of the insurance contract, the provisions of Article 66 of the Insurance Law shall not apply. Article 66 of China's Insurance Law stipulates that in a life insurance contract where death is a condition for the payment of insurance benefits, if the insured commits suicide within two years of the conclusion of the contract, the insurance company shall not be liable to pay the insurance money. However, if the policyholder has already paid the insurance premium, the insurance company shall refund the cash value in accordance with the insurance policy.

If the insured commits suicide two years after the conclusion of the contract, the insurance company may assume the responsibility of paying the insurance money, and the specific measures shall be in accordance with the provisions of the insurance contract.

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

A boon to 90 million people with depression.

Hello, glad for your question. Those who have a history of mental illness cannot purchase insurance, and mental illness cannot become an insured; Most insurance companies do not accept health insurance and life insurance for the mentally ill. In particular, the possibility of underwriting for critical illness insurance and life insurance is basically zero.

Some insurance companies can provide pre-underwriting services, but the probability of underwriting is also very low. I hope mine can help you

It's been good for 10 years, and I can't buy insurance if I haven't taken any medicine in these 10 years.

I've already purchased it, but I haven't told the insurance company, should I surrender the policy directly or what should I do?

If the other party still continues to underwrite, you should ask the other party to show a certificate of this, otherwise this is still more risky.

This depends on whether the conditions of the insured meet the actual requirements for purchasing insurance.

When purchasing any insurance (including life insurance, property insurance, etc.), the insurance contract will have clear individual requirements for the insured subject (people, animals or property or others, etc.), which will be written in the insurance notice and insurance contract.

If there is no requirement for a history of mental illness for the type of insurance to be purchased, or if there is a certain requirement but the insured meets the requirements, the corresponding insurance can be purchased, and conversely, if the insurance clause prohibits the purchase of a person with mental illness (including pre-existing medical conditions), it cannot be purchased.

Before purchasing insurance, you should ask the insurance company, if necessary, you can record or other ways to retain the information, of course, you should truthfully inform the insurance company's business personnel of your medical history, if the insurance company has known the insured's past medical history, and agree to buy insurance, the insurance contract is valid, and the insurance company has to refuse to pay for the past medical history.

The above is based on the insured as a patient with a history of mental illness, and the following is based on a patient with a history of mental illness as the policyholder.

According to the law, there are two types of persons with mental illness: they have no capacity for civil conduct and limited capacity for civil conduct, among which, the civil acts made by the mentally ill patients during the onset of the disease are invalid, and their guardians have the right to declare the acts invalid in accordance with the relevant powers, such as the patients who purchased some insurance products at the time of the onset of the disease, and their guardians have the right to claim that the contract is invalid and request the termination of the contract; If it is a person with a mental illness with limited capacity for civil conduct, the civil act made when he is conscious and has not yet developed the disease is valid, and both parties shall implement it in accordance with the contract.

Hello, I am a special financial consultant of the platform, I have seen your question, and I am sorting out the answer, it will take about 3 minutes, please wait a while

Hello, dear, general commercial insurance can not pass, but you can participate in medical insurance, such as employee medical insurance, urban residents' medical insurance, and new rural cooperative medical insurance.

If the patient is mentally ill and applies for medical insurance, critical illness insurance, comprehensive insurance, life insurance and other types of insurance, he needs to truthfully inform his health status, and the insurance company will give an underwriting conclusion based on his past medical history, time and whether he or she is, and will refuse to cover or increase the fee.

The above is my reply, I hope it will be helpful to you, thank you for the consultation.

No. Having a history of mental illness usually does not preclude critical illness insurance. Most of the critical illness insurance will refuse to insure patients with mental illness, and a few provide underwriting opportunities, but they need to provide complete medical information to the insurance company before applying for insurance, and the insurance company will make a decision on whether to underwrite according to the severity of the condition and after comprehensively assessing the underwriting risk.

If you are diagnosed with mild mental illness after buying critical illness insurance, you will not necessarily be compensated, and if the general critical illness insurance clause does not include mental illness protection, it will not be claimed, but in the case of death caused by mental suicide, the critical illness insurance with death protection can indeed be claimed, and the specific claim items should pay attention to the insurance terms.

Mental illness can be covered with insurance. However, most of the insurance cannot be bought, and only a few types of insurance can be insured, but the review is quite strict. At present, there are two types of insurance that you can try to insure, one is inclusive commercial supplementary medical insurance, and the other is tax-advantaged health insurance.

Inclusive commercial supplementary medical insurance is the Huimin Insurance exclusively customized by various insurance companies for major cities. This kind of insurance can generally be insured with illness, such as Foshan Buddha Medical Insurance, Changsha Xinghuibao, etc., which can cover the medical expenses caused by mental illness and hospitalization. Tax-advantaged health insurance can also be insured with illness, but pre-existing conditions, such as mental illness, can only be purchased by customers who need to deduct tax for 1 year.

Extended Information] Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

World insurance: human society has been faced with natural disasters and accidents since the beginning, in the process of fighting against nature, ancient people came up with the idea of insurance to deal with disasters and accidents and the original form of insurance methods. Around 2500 B.C., the king of the ancient Babylonian kingdom ordered monks, judges, village chiefs, etc., to collect taxes as funds for fire relief.

Ancient Egyptian stonemasons established funeral mutual aid organizations to settle the funds for burials by paying membership dues. In the era of the ancient Roman Empire, soldiers organized to provide living expenses for the bereaved families of fallen soldiers in the form of fund-raising, and gradually formed an insurance system. With the development of **, around 1792 BC, it was the time of Hammurabi, the sixth king of ancient Babylon, commerce flourished, in order to aid commerce and protect the caravan of mules, horses and goods for compensation for the loss, in the Code of Hammurabi, the clause of common apportionment of compensation for losses was stipulated.

No. Have mental illness.

Critical illness insurance is usually not available for historical disturbances.

If you have a history of mental illness, you need to be truthful when you apply for critical illness insurance, and most critical illness insurance.

Patients with mental illness will be denied insurance, and a few will provide underwriting opportunities, but they need to provide complete medical information to the insurance company before applying for insurance, and the insurance company will make a decision on whether to underwrite Li Chao after comprehensively assessing the underwriting risk according to the severity of the condition.

If you are diagnosed with mild mental illness after buying critical illness insurance, you will not necessarily be compensated, and if the general critical illness insurance clause does not include mental illness protection, it will not be claimed, but in the case of death caused by mental suicide, the critical illness insurance with death protection can indeed be claimed, and the specific claim items should pay attention to the insurance terms.