I was hospitalized two years ago, can I still buy insurance?

If you have been hospitalized two years ago, you can still buy insurance, but it depends on what kind of disease you are admitted to**, if it is a too serious disease, it is more difficult to pass the health notice or underwriting in the health insurance, but if it is not a very serious disease and does not involve the health notice content in the policy contract, you still have the opportunity to buy insurance.

Ultra-complete! Everything you need to know about insurance is here.

So in the next time, the senior sister will introduce to you what should be paid attention to when applying for insurance for groups like "who have lived in the hospital"? Don't talk nonsense, go straight to the dry goods!

First of all, as we all know, when applying for many insurance products, we will do a process called "health notification", which is the key for the insurance company to judge whether the insured can be further insured, these inquiries are generally related to the health status of the insured, in order to assess the risk level to which the insured belongs, so as to make a decision on whether to underwrite.

The issues mentioned in the health notice should be carried out truthfully, and there should be no concealment and deception.

However, when we make health notices, we don't need to take the initiative to mention the content that the insurance company does not inquire, simply put, we must follow the principle of "answering questions, not asking, not answering"!

Is the health notice of the insurance company making it difficult for us?

If the small partner who has "been hospitalized" has not passed the health notification of the corresponding product, then you can apply for underwriting from the insurance company, and if the underwriting is passed, you are also successfully insured!

If there is intelligent underwriting in the product, Senior Sister recommends that you give priority to intelligent underwriting, because intelligent underwriting supports anonymous testing, so even if it is rejected by the insurance company, it will not leave a record of rejection.

If manual underwriting is denied, it will leave traces and will affect everyone's subsequent insurance.

What is the difference between smart underwriting and manual underwriting? This article will take you to understand the correct posture for insurance!

If it is very serious, some health insurance products (medical insurance, critical illness insurance, etc.) are likely to be rejected by the insurance company after hospitalization, but if it is insured with other insurance products that do not require high health conditions, there is still a high chance of successful insurance.

Ultra-complete! Everything you need to know about insurance is here.

When we apply for health insurance products such as critical illness insurance or medical insurance, the insurance company will not cover us casually, and the insurance company will first investigate our physical examination reports and medical records in the past few years, that is, make health notices.

If, after investigation, the insurance company finds that there is no major problem with the insured's health, then the insurance company will consider the insured to be healthy and meet the insurance requirements.

However, if the insurance company finds that the insured has a more serious past medical history after investigation, then it is very likely that the insurance will be underwritten at a higher cost or denied coverage!

So are there any tips when doing health notification? Senior sister, here is a small cheats for customs clearance to give to friends, hurry up and collect it!

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

At the same time, the senior sister also suggested that you try not to do unnecessary examinations during the waiting period, if you find that there is a problem with your body, you may face the situation that the insurance company will not pay, and even the contract may be terminated.

Due to the reason of space, the above questions about physical examination, it is inconvenient for the senior sister to explain too much for you here, but the senior sister has specially prepared an article for you, please come and take a look:

Do I need to have a medical examination before buying insurance? I've heard that it will affect claims!

There are a few things to note about buying insurance after hospitalization:

1. Generally, medical insurance can be purchased 90 days after the previous discharge;

2. For what reason you are hospitalized, the insurance company will judge the premium and underwriting issues you are worried about based on the information of your last hospitalization;

3. If it is an ordinary hospitalization, it will generally be underwritten smoothly, and there will be no increase in fees and no refusal of insurance;

Therefore, you also have to judge whether you can buy medical insurance smoothly according to your own hospitalization**.

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

3 Generally speaking, acute gastritis is optimistic.

Or is chronic superficial gastritis, although not promising, but these two diseases.

It will not affect the underwriting of critical illness, even if it is noted.

It can be insured normally, so the atrophic gastritis is different, especially the severe atrophic gastritis has a relatively obvious probability of carcinogenesis in the future.

Therefore, underwriting is quite cautious, generally speaking.

If the product sold online is atrophic gastritis, he usually has a relatively simple and crude method: refusal of insurance.

We can try some offline traditional business, which can be manually underwritten.

At this time, we need to provide some medical records of the visit, as well as some of our follow-up gastroscopy reports.

It needs to be proven that this client's current atrophic gastritis is not serious.

And it is relatively stable, so at the same time, if the age is relatively young, then there are some products that can still take care of serious illnesses, but there may be some small increases or stomach cancer.

This is some of the offline businesses we are talking about, so what about medical insurance, and critical illness insurance.

There is a place where the views are more compatible, if everyone is atrophic gastritis.

Generally speaking, medical insurance is. Then if it is superficial gastritis or acute gastritis.

It can still be insured, but gastritis is a relatively recurring disease, so there will be exclusions in this disease medical insurance.

Can I buy insurance if I have gastritis? Do I need to inform the insurance company when I apply for insurance?

If it's just a minor illness, you can buy it.

**After you can buy it, you can find a salesman to consult.

Yes, you can make a claim. After two consecutive years of insurance, the incontestability period stipulated by the Chinese insurance industry has been satisfied, and according to the indefensibility clause, "if the contract is concluded for more than two years, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money. ”

However, if the hospitalization is related to a pre-existing condition, the insurance company will pay for the non-first-time illness or pre-existing condition. At the same time, if you have been hospitalized within two years but delay two years before reporting to claim compensation, the insurance company will also refuse to make a claim.

Therefore, the incontestability clause is used to protect the rights and interests of consumers, and if the policyholder deliberately deceives the insurance company to conceal the truth, it is also possible to refuse the claim after investigation by the insurance company.

Summary. Hello, even if you have been hospitalized, you can also take out insurance, especially Huimin Insurance, which can be insured with illness, and you can apply for Huimin Insurance. As for commercial insurance, if you have a past medical history, you must tell the truth, and the insurance company will conduct a physical examination, and you can apply for insurance if you pass, but if you don't pass, you can't apply for insurance.

If I have been hospitalized, can I still be insured?

Hello, even if you have been hospitalized, you can also take out insurance, especially Huimin Insurance, which can be insured with illness, and you can buy Huimen Doumin Insurance. As for commercial insurance, if you have a past medical history, you must tell Li Zhumo truthfully, the insurance company will conduct a physical examination, and you can apply for insurance if you pass, if you don't pass, you can't apply for insurance.

Huimin Insurance, when can I get in.

If you have been hospitalized, whether you can take out insurance with illness mainly depends on the condition of your illness. 1.If the disease is more serious, such as major disease ruler lead skin disease, serious chronic disease, serious heart disease, etc., the insurance will generally be denied, and there is no way to insure with illness, even if the condition improves in the later stage, it may be denied insurance.

2.If the disease is not serious, but it is in the middle of the disease, such as some benign tumors and other diseases, under normal circumstances, the insurance will be deferred, and you need to wait until the disease is better to apply for insurance.

Depending on your location, the insurance time is different in different regions.

Xingtai, Hebei. Hebei Xingtai "Xianghui Insurance", which is the local Huimin insurance, is insured on December 1 every year.

Of course. I believe that many people do not know that insurance actually has accident insurance.

Medical insurance, critical illness insurance.

There are 5 types of cancer insurance and life insurance, and generally speaking, there are no health requirements for accident insurance, and most of the health notices of life insurance and cancer insurance do not ask whether you have been hospitalized, so even if you have been hospitalized, it does not affect your purchase of accident insurance, life insurance and cancer insurance, and do not believe if you are cancer.

Hospitalization is another matter.

Extended Materials

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

Behavior. 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 risk management.

From perspective, insurance is a method of risk management.

Commercial insurance can be roughly divided into: property insurance, life insurance.

Liability insurance, credit insurance, allowance insurance, marine insurance.

The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the type of insurance subject.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability protection and vertical insurance, and credit guarantee insurance.

1 Fire insurance covers the loss caused by fire to property stored on land within a certain geographical area and basically at rest, such as machinery, buildings, various raw materials or products, household utensils, etc.

2. Marine insurance is essentially a kind of transportation insurance, which is the earliest insurance in various types of insurance business, and the insurer is liable for the loss of the insurance subject matter caused by marine hazards.

3. Cargo transportation insurance is a cargo transportation insurance other than sea transportation, which mainly covers the loss of goods in the process of inland, river, coastal and air transportation.

4 All kinds of transportation insurance mainly covers the losses incurred in the process of driving and parking of various means of transportation. It mainly includes car insurance.

Aviation Insurance, Ship Insurance, Railway Vehicle Insurance.

5 Engineering Insurance.

Covers all accidental losses and third party bodily injury and property damage during various projects.

Not sure, depending on the specific condition and hospitalization details.

Whether you can buy medical insurance depends on the previous hospitalization**, find the previous hospitalization medical records, or can clearly remember the hospitalization**, discharge summary, and consult the insurance company to judge.

For example, many children will always cause pneumonia because of the weather changes, then they will need to be hospitalized**, all the insurance health notices are very clear, as long as it is acute, it can be purchased, so this can not be determined to see the specific diagnosis certificate and discharge certificate and for different degrees of symptoms, it will also be divided into the following situations:

1. Normal underwriting, the insurance company makes completely normal underwriting.

2. Additional underwriting, adding a certain proportion of premium to the normal premium.

3. Exclusions, for some specific diseases, such as thyroid cancer, etc.

4. Extended coverage, the current health status is unknown, and the decision on whether to underwrite can only be made after a clear diagnosis.

5. Refuse to underwrite, the insurance company will not accept your insurance application, because the risk of your claim exceeds the risk tolerance range of the insurance company.

Hospitalization insurance related tips.

Hospitalization insurance means that when the insured needs to be hospitalized, the insurance company pays the insured amount to pay for the cost of the daily hospitalization room, the doctor's expenses during the hospitalization, the cost of using hospital equipment, the cost of surgery, medical expenses, etc.

Hospitalization insurance mainly depends on your hospitalization record, that is, the health notice at the time of application, that is, to understand whether the insurance company underwrites, under what conditions, and whether the insured can successfully settle the claim after the accident.

The main purpose of health is to let the insurance company have an understanding of the physical condition of the customer, screen the insured who meet the insurance conditions, and prevent the occurrence of insurance fraud. Without health notification, non-healthy people have a higher risk of illness and a higher probability of compensation, and it is easier to get a claim, which means that it is unfair to healthy customers.

If you don't tell the truth, will the insurance company not pay you?

In fact, not necessarily, but when applying for insurance, everyone should try to tell the truth to avoid later claim disputes, after all, everyone wants to get a claim smoothly when there is an accident.

Actually,".Two years incontestability clauseIt only means that the insurance company cannot terminate the contract on the grounds that the policyholder has not informed the truth after the insurance contract has been effective for two years.

Please note that it is important not to terminate a contract on the grounds of untruthful disclosure.

As for whether to compensate, it depends on whether the terms of the contract are met, and the core is whether an insured accident occurs.

The insurance company's denial of claims may not always be reasonable, and it may also make unjustified denials without legal basis.

Mr. A was diagnosed with liver cancer after taking out critical illness insurance for a period of time and applied for a claim.

The insurance company refused to pay on the grounds that he had not truthfully informed that he had been hospitalized for hemorrhoids**.

After review by the court, there was no evidence that it was necessary to contact the hemorrhoids and liver cancer, and the insurance company did not inquire about the hemorrhoids.

In the end, it is determined that there is no legal basis for the insurance company's refusal to pay compensation, and the insurance money shall be paid.

If you are denied compensation by the insurance company for no reason, you should be brave enough to use the law to protect your own interests.

It is important to note that the "two-year incontestability clause" does not mean that the law recognizes insurance fraud.

Ms. B applied for critical illness insurance for her husband C in April 2015, and C was diagnosed with chronic renal failure 3 years later and filed a claim.

After investigation, C's wife failed to truthfully inform her husband that she had been hospitalized for chronic renal failure for 14 years** when applying for insurance, and the insurance company refused to pay compensation on the grounds that the insured had not fulfilled the obligation to truthfully inform and returned the insurance premiums paid.

Later, C filed a lawsuit, and the insurance company finally won the lawsuit and did not need to settle the claim.

Don't think that if you have a two-year incontestability clause, you can not tell the truth.

Whether the insurance pays or not is not the insurance company's final say, but the contract and the law.

Finally, the two-year incontestability clause protects the rights and interests of consumers to a certain extent, but it does not mean that consumers can not be truthfully informed.

If you have any other claim questions, you can do soDaddy protects the netCheck out the latest insurance class content, I hope it will be helpful to you!