Is it useful for sick people to buy insurance? What insurance can people who are already sick buy

Whether a sick person can buy insurance depends on the specific situation, and in the case of a truthful health notice and in line with the health notice, the insurance company underwrites it, which is naturally useful, and the personal risk can be covered.

Accident insurance generally does not have a health notice, and the health notice of life insurance is relatively relaxed, so you can buy it even if you are sick under normal circumstances; However, medical insurance and critical illness insurance are more stringent in health notification, and it is not easy to insure with illness. However, as long as you have a good understanding of underwriting knowledge, you can still successfully apply for insurance, because some insurance can be "insured with illness", such as breast nodules, stones, hepatitis B, etc

Can I insure against various diseases? How to insure?

1. 5 types of underwriting results for sick insurance

1. Normal underwriting: The illness has little impact on the insurance, and the insurance company will underwrite normally, which is the most ideal result.

2. Additional underwriting: The existing medical history increases the risk of suffering from the contracted diseases in the future, and a certain amount of expenses need to be added on the basis of the normal premium, and then the insurance can be completely claimed.

3. Exclusion coverage: If you have a certain disease before, or there are precursor symptoms of a certain disease, the insurance company will usually exclude the coverage, that is, the insurance company will not pay for pre-existing diseases and certain diseases due to these symptoms, and other diseases can be covered with normal claims.

4. Deferred coverage: The insured's current health status is unknown, and it takes a certain period of observation to decide whether to underwrite after a clear diagnosis.

5. Refusal to underwrite: After verifying the information of the insured, the insurance company will refuse to cover if it finds that the risk exceeds the company's tolerance range.

2. How to successfully apply for insurance with illness

1. Choose different types of insurance.

The order of health notification of common commercial insurance from strict to relaxed is generally as follows: medical insurance, critical illness insurance, cancer prevention insurance, life insurance, and accident insurance. If you can't buy ordinary medical insurance, you can try cancer medical insurance, and if you can't buy critical illness insurance, you can try cancer insurance.

2. Tell the truth about your health, and don't ask or answer.

Health notification is an important part of determining whether consumers can successfully apply for insurance and settle claims, and it is necessary to inform truthfully in order to ensure their own interests. If you do not tell the truth, once you are out of danger, you may be denied compensation, resulting in claims disputes. In the process of making health notices, there is no need to take the initiative to mention what is not mentioned in the health notification questionnaire, but the questions involved must be truthful.

3. Choose products with loose health notices.

Different products of each insurance company have different contents and different levels of severity in terms of health notice, so if you want to successfully apply for insurance, you can choose a product with a relaxed health notice. Everyone should be more melancholy should not know which health insurance health notice is more relaxed, here is a compilation of ten health notice loose critical illness insurance, maybe you can pick a critical illness insurance suitable for the physical conditions of the insured: Top 10 [Health Notice Relaxed] Critical Illness Insurance** points!

In addition to the above tips, there are other tips that can help you successfully apply for insurance with illness, follow these 5 steps when applying for insurance, and greatly improve the success rate of insurance: remember these 5 steps to make you successfully apply for insurance with illness! Hope!

It is not easy for people who are sick to get the right insurance, and most insurance plans do not cover these pre-existing conditions. But insurance is a personalized industry, there are still some products tailored for patients, I made this conscience product strategy, I hope to help you:Something is wrong with your body?

These products can be bought

People who are already sick usually need to spend money on **, and may also delay their work because of this, and there is a certain amount of financial pressure. And the body's immunity will inevitably decline, and the risk of suffering from diseases is greater.

If you get sick again, it will cost money and take a long time to carry out the disease, which will bring losses that ordinary families can hardly bear.

Both financially and psychologically, insurance benefits can reduce the patient's stress.

People who are not in good physical condition can easily be denied insurance because they do not have health information. In this case, I also have some insurance tips that I can teach to my friends who are ill.

1. Tell the truth:When a friend with a physical complaint applies for insurance, when facing a health notice, remember: if it is not mentioned, there is no need to take the initiative to mention it. The issues involved must be truthful.

2. Choose products with loose health noticesTop 10 [Health Notification Relaxation] Critical Illness Insurance Points!

3. Choose different types of insuranceThe order of health notification of common commercial insurance from strict to relaxed is generally as follows: medical insurance, critical illness insurance, cancer prevention insurance, life insurance, and accident insurance.

Therefore, if you can't buy medical insurance, you can try cancer medical insurance; If you can't buy critical illness insurance, you can try cancer insurance. There's always something for you.

If you still don't know how to apply for insurance, you may wish to take a look at this insurance strategy to help you buy comprehensive protection when you are sickRemember these 5 steps to get you sick and get out of the insurance smoothly! Hope!

If there is a past medical history, it is necessary to inform the insurance company when applying for insurance, what disease has occurred at a certain time in the past, recorded on the insurance policy, and the insurance company underwriting will make an underwriting opinion according to the actual situation.

Article 17: When concluding an insurance contract, the insurer shall explain the terms and conditions of the insurance contract to the policyholder, and may make inquiries about the subject matter of the insurance or the relevant situation of the insured, and the policyholder shall truthfully inform the policyholder. If the policyholder deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, and shall not refund the insurance premium. If the insured fails to perform the obligation of truthful notification due to negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the insurance contract, but may refund the insurance premium.

Is it useful to buy insurance? Do you think it is useful to give you insurance for medical expenses or 100,000 yuan at a time?

In fact, many people who have not experienced anything may be more indifferent when they say this, and feel that they don't need it, but insurance is originally bought when it is not needed, and it may not be possible to buy it when it is needed. At this point, my mother's item can no longer be insured, and the extra money may have to be kept for treatment, and the aunt's situation will be better and more stable in the future, so you can think about your own protection again!

It is reliable to buy insurance online. As long as the company has a brokerage license issued by the China Banking and Insurance Regulatory Commission, the products sold are strictly reviewed, and you can buy with confidence. In addition, online insurance will be faster and safer, because the information can be submitted online, and the third party will also have a special person to assist in the claim, objectively and neutrally safeguarding the rights and interests of customers.

Insurance companies that are already sick will basically not cover it, and even if they do, they will exclude the illness that has already been born! If everyone is sick and only thinks of asking the insurance company to pay for the medicine, then the insurance company will not cover it! Know that an insurance company is not a charity, it is also a business...

As for your mother's condition, if the family is really in trouble, the only way to do this is to ask for help from the society.

This is not insured, buying insurance is not what you want to buy, in addition to having money, you must also have a healthy body, this is the basic principle of insurance, so now you should strengthen your awareness of insurance. What has happened is inevitable, but what has not happened can be prevented. I hope that future generations will not repeat the mistakes of the past!

Not only will your mother not be able to buy insurance, but you will have to buy it yourself in the future, and the insurance company will know that your mother has suffered from cancer, and there will be a partial exemption from your insurance liability

Yes It depends on what kind of illness you have, and you don't accompany you when you are sick.

Serious illness accompanies a lot.

A friend above is right, and I add: in order to avoid the recurrence of your mother's situation, it is advisable to buy an insurance policy for yourself. Chinese life, peace, faithfulness and friendship are all good.

Hello! People who are already sick can first consider medical insurance, and secondly, commercial insurance with more lenient underwriting.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

For example, accident insurance that does not require health notices, cancer insurance with loose underwriting, and health insurance and life insurance that meet health notices.

However, in the case of sick insurance, there will generally be five outcomes: normal underwriting, additional underwriting, exclusion coverage, and extended coverage or denial of coverage.

The specific result also needs to be based on the underwriting results of the insurance product, and what we need to do is to fill in the health notice truthfully.

I understand the current mood of being a parent, but unfortunately, the insurance is unknown, the possible risks, the risks that have occurred are not within the scope of protection, so you can't buy insurance if you're sick, even if you can buy it, this kind of disease that has happened is not covered by the insurance, that is, the symptoms and consequences related to the disease, the insurance company is not responsible for compensation, so the insurance should be bought while you are young and healthy, don't wait until the risk occurs to think of insurance, Now we can only pray that your child will hurry up**.

Different diseases will have different results in different insurances. Usually, accident insurance does not have high health requirements, but when applying for critical illness insurance, life insurance, and medical insurance, the insurance company will ask about the health status.

The insurance that people who are already sick can buy includes:

1.Critical illness insurance, although the purchase of critical illness insurance requires a health notice, but it is not as long as you are sick that you can't buy it, for example, if you only suffer from colds, appendicitis and other diseases that can be cured soon after **, it does not affect the purchase of critical illness insurance;

2.Accident insurance, most of the accident insurance does not need to run health notice, even if health notice is required, it is relatively relaxed, usually as long as it is not suffering from malignant tumors and other serious diseases, then it does not affect the purchase of accident insurance;

3.Cancer insurance, as long as you are not suffering from cancer or cancer-related diseases, then you can buy it;

4.Property insurance, the protection content of property insurance has nothing to do with the health of the insured, so even if the insured suffers from illness, it will not affect the insured property insurance;

5.Most of the inclusive commercial supplementary medical insurance, such as Changsha Huimin Insurance and Beijing Puhui Health Insurance, do not have restrictions on pre-existing conditions.

In addition, there are many insurance products on the market that are specially designed for patients with diabetes, hypertension and other diseases.

Summary. Hello, dear, people who are already sick can buy annuity insurance, increased whole life insurance and accident insurance, which is not strict for physical underwriting and health requirements.

Hello, dear, people who are already sick can buy annuity insurance, increased whole life insurance and accident insurance, which is not strict for physical underwriting and health requirements.

If you want to buy health insurance such as medical insurance or critical illness insurance, you need to see whether your current physical health status can pass the underwriting.

Can you be insured in the middle of cirrhosis?

What kind of insurance do you need to insure?

Medical. In the middle stage of liver cirrhosis, it is impossible to buy health insurance at present.

Medical insurance is health insurance, and it is not possible to buy it at present.

Accident insurance, annuity insurance, and incremental whole life insurance can be purchased.

Medical insurance has relatively high requirements for physical health, and liver cirrhosis does not meet the conditions for medical insurance.

On the basis of social security and medical care, you can purchase local Huimin Insurance.

Huimin Insurance is an inclusive commercial medical insurance jointly launched by local medical insurance bureaus and insurance companies, which can be used as a supplement to social security medical care.

What does accident insurance mean?

Accident insurance is for death or disability compensation caused by accidents, and reimbursement for accidental outpatient and emergency and hospitalization medical expenses.

What does Zeng Hui Insurance cover.

If there is no problem with liver function and the liver function is normal, you can apply for critical illness insurance.

Huimin Insurance is to reimburse the hospitalization medical expenses caused by accidental diseases, including personal self-payment and self-paid expenses, which is the same as the commercial million-dollar medical insurance, but the deductible amount of the Huimin Insurance is higher, and the reimbursement ratio is lower.

Can I take it with illness?

OK. Huimin Insurance, you can bring and insure.

The biggest feature of Huimin Insurance is that there is no age limit, no health status, and you can apply for insurance with illness.

How do I vote. What city are you in?

Hello dear! If you are already sick, you can choose to participate in the local basic medical insurance, you can take out insurance with illness, and you can also enjoy reimbursement for pre-existing conditions; You can also apply for local inclusive supplementary medical insurance, as long as it is not a major pre-existing condition as agreed in the contract, other diseases can be reimbursed normally. However, the sooner you buy insurance, the better, after all, most health insurance products on the market do not allow you to take out insurance with illness, and you will not be paid for pre-existing conditions, and it is not useful to buy insurance after you are already sick.