Can I still buy insurance if I have breast nodules?

Definition of a breast nodule: A breast nodule, a small lump in the breast (the larger one is called a lump), is a descriptive term on imaging, not the disease itself.

Strictly speaking, breast nodules are not a disease, but a symptom, which is common in breast hyperplasia and neoplastic diseases, including benign and malignant tumors of the breast. In fact, most breast nodules are benign, and benign nodules don't even need medication**.

1. How to tell if a breast nodule is benign or malignant?

An important tool for judging the benign and malignant nature of breast nodules is the BI-RADS grading evaluation criteria developed by the American College of Radiology (ACR). However, the BI-RADS grading and evaluation criteria have been widely used as the judgment criteria for breast ultrasound examination in tertiary hospitals in China.

Second, I had a breast nodule. Can I still be insured?

Nodules of grade 3 and below can basically be insured!

However, if the classification is level 4 or above, if it is not diagnosed as benign by surgery, critical illness insurance and medical insurance are basically unavailable. According to the degree of nodules, the underwriting result is: subject underwriting, expense increase, except underwriting, extension and rejection of underwriting.

The underwriting requirements for most insurance products in the market are as follows:

1.Diagnosis is grade 1-2; Many products can be covered by standard.

2.Diagnosis is grade 3; Most of the base products will be excluded.

3.If the diagnosis is level 4 or above, there is a high probability of denial of insurance.

Since breast diseases are already a common disease in women, insurance companies are also particularly sensitive to breast diseases.

In the health notification clause, there are generally these diseases related to the breast:

Breast hyperplasia, lobular hyperplasia, mastitis, breast nodules.

In general, most insurance plans do not have high requirements for breast hyperplasia, lobular hyperplasia and mastitis.

Even the most restrictive health insurance can be covered normally or excluded.

Health information about breast nodules is much more complicated, and its appearance means that the breast is diseased.

Further reading:"Insurance Guide: How to Buy Insurance for Single Women".

Definition of a breast nodule: A breast nodule is a small breast lump (a larger one called a mass) that is a descriptive term on imaging rather than the disease itself.

Strictly speaking, breast nodules are not a disease, but a symptom, which is commonly found in breast hyperplasia and breast neoplastic diseases, including benign breast tumors and breast malignant tumors. In fact, the vast majority of breast nodules are benign, and benign nodules do not even require medication.

1. How to determine the benign and malignant breast nodules?

An important tool for determining the benign and malignant nature of breast nodules is the BI-RADS classification evaluation criteria developed by the American College of Radiology (ACR). However, the BI-RADS classification and evaluation criteria have been widely used as the judgment criterion for breast ultrasound examination in tertiary hospitals in China.

2. Can I still apply for insurance if I have breast nodules?

Nodules are level 3 and below, and they can basically be insured!

However, if the rating is level 4 and above, if the diagnosis of benign disease is not confirmed by surgery, critical illness insurance and medical insurance are basically not available. According to the severity of the nodules, the underwriting results are as follows: the standard underwriting "additional fee" except the underwriting "extension and rejection".

The underwriting requirements for most insurance products in the market are as follows:

1. The diagnosis is grade 1-2; There are quite a few products that can be covered in a standard body.

2. The diagnosis is grade 3; Almost most products are excluded.

3. If the diagnosis is level 4 or above, there is a high probability that the insurance will be denied.

3. How to insure non-healthy individuals?

Many sick friends think that they can't buy insurance, but in fact, as long as they have a good understanding of underwriting knowledge, there is still a chance to buy suitable protection.

You can go to consult first, tell the truth, as long as the underwriting is passed, you can buy, but breast nodules can be **, you can take Milk Letong, usually eat more vegetables and fruits, and eat more coarse grains.

Hello! All insurance covers healthy individuals, and even if you tell the truth about this situation, you will either increase the cost of contracting or refuse to insure, and it is very likely that our company will refuse insurance. Therefore, any insurance must be insured in advance when you are healthy, and there are no regrets.

It can be informed that it will be underwritten by the insurance company and may be exempted from liability.

Tell us the truth, and you can buy it if you pass the underwriting. If you deliberately conceal your medical condition, you may be denied compensation.

All health insurance is aimed at healthy people.

OK. Be truthful and look at the underwriting review. Or there will be exemptions.

Yes, you need to tell the truth and see the audit results of the insurance company.

Yes, but a medical examination is required.

Tell us the truth, and the company will review it!

It is necessary to inform the truth and wait for the results of the audit.

Tell the truth and see the underwriting results.

Hello, you have to tell the truth, you can be healthy.

Tell us the truth and see the underwriting results!

Tell us the truth, and you will probably be excluded!

Tell us the truth! Look at the audit!

Whether breast nodules can be claimed depends on what insurance is purchased, such as critical illness insurance for breast nodules can not be paid, because it does not meet the threshold of disease definition, so it cannot be paid, only breast cancer can be paid. However, medical insurance, especially the Million Medical Insurance, can be reimbursed and claimed.

If there is a breast nodule and you want to buy insurance, you can buy insurance. Like those non-disease insurances, there are no special requirements for the physical health of the insured, so whether you have breast nodules or not does not prevent you from taking out these insurances. Like accident insurance and annuity insurance, the requirements for physical health are very low.

As for health insurance such as critical illness insurance, having breast nodules does not mean that you cannot be insured. Insurance companies often have a standard for judging breast nodules. Grades like breast bi-rads can be divided into six levels, the higher the grade, the higher the likelihood of worsening of breast nodules.

Generally speaking, if it is level 3 and below, it is still possible to successfully apply for insurance. And if the bi-rads reach level 4 and above, then critical illness insurance and medical insurance are basically unavailable.

The answer you should ask is commercial medical insurance, the default is that if it is critical illness insurance, life insurance, accident insurance must not be claimed, absolutely not to meet the claim conditions, only medical insurance can, it depends on what medical insurance, if it is the kind of deductible per year, it is more difficult, because to do a breast nodule removal surgery, is a minor operation, generally less than 10,000 out of pocket, can not be compensated If you bought the kind of medical insurance that has no deductible for hospitalization, then if you are hospitalized for surgery, you pay 5000, Then 5000 can be reimbursed back.

Ask whether the company's commercial insurance will reimburse breast nodules.

Answer: There are six grades of breast nodules to represent the severity of breast nodules, and when the bi-rads of breast nodules are above level 4, the possibility of malignancy is very high. Generally speaking, BI-RADS level 1-2 has the opportunity to be covered by the standard, but there may be additional fees or exclusions; If the bi-RADS is level 3 or higher, the coverage will be excluded.

The state stipulates that the medical insurance for serious illnesses can be used for secondary reimbursement.

To be honest, there are some minor problems in the body, and there will be restrictions on buying insurance, some can be bought, and some will have an impact. For example, accident insurance is a type of insurance that can be purchased even if you are sick, because the health condition of the insured person has nothing to do with the claim requirements of the accident insurance.

However, the health notification of critical illness, medical and life insurance is closely related to the health status of the insured person, so there are certain restrictions. For example, kidney stones, nephritis, if the kidney function is normal, urine test, urine routine is also normal, some products can be insured normally. I have summarized the insurance products that can be bought for these common diseases in this article"Got a little sick with your body?

These products can be boughtI want to buy insurance, but my body is more or less abnormal, what should I do? I have listed some common ways to get normal insurance for abnormal physical examination problems, and due to the limited space, I will directly put it in the original article"How to Quickly Get Sick Insurance".

That's all for me"Can I buy insurance for breast nodules?"

Breast nodules are a symptom that is commonly seen in breast hyperplasia (which can form breast cysts) and neoplastic diseases of the breast, including benign breast tumors (such as breast fibromas, lobulated tumors, etc.) and malignant tumors of the breast (breast cancer). If it is hyperplasia, it can be covered, and the latter directly refuses to insure.

Depending on the specific condition, you can ask our staff to buy insurance and try it, you may be exempted from liability, or you may refuse to insure, but you must tell us truthfully!

How should breast nodules patients buy insurance? Breast nodules are a breast disease that occurs in 70% of women. Whether it is accidentally touched in life or found during a physical examination, as long as it is a problem in the breast, everyone is very concerned.

There is no need to panic when buying insurance for breast nodules, there are a lot of products on the market that can be bought

Many people who are diagnosed with a nodule are worried that it will become cancer. So, do nodules have a big deal to do with cancer? How to buy insurance if you have nodules?

Many people are worried that nodules will become cancer, so what is the relationship between the two?

In fact, nodules are just a kind of ultrasound imaging, such as inflammation, hyperplasia, tuberculosis, tumors, etc., will appear as nodules.

Let's go straight to the conclusion:

Generally, it is more than grade 3, and the higher the level, the greater the risk of malignant transformation, but the most authoritative diagnosis is to do pathological examination.

The most common ones at the moment are:Thyroid nodules, breast nodules, pulmonary nodules, the corresponding cancer is also the most claimed.

In the "Semi-annual Report on Claims of Insurance Companies",Cancer accounts for about 70% of all companies, and the most common cancers are thyroid cancer, breast cancer, and lung cancer

Therefore, insurance companies are also very cautious in underwriting these nodules.

Breast nodules are a common disease among female friends, and breast nodules are underwritten according to ultrasound grading. The better products are as follows:

Let's go straight to the conclusion:

Medical insurance: Priority is given to long-term medical care in micro-medical insurance, as long as it is a simple adenoma or fibroma, it can be excluded from coverage; Ping An e-life insurance does not exceed level 2, except for opportunities; And good medical insurance to do pathological examination, it is recommended to consider last.

Critical illness insurance, life insurance: The loosest product, the same as the thyroid nodules above, but with the addition of Ruihua Comwebao for critical illness; Dingshou Dinghaizhu No. 1 can be bought as long as the breast color ultrasound grade is 1-2 within half a year.

If it is a breast nodule grade 3, PICC Health Welfare is relatively lenient and has the opportunity to be covered normally; Haibao Xinai, Darwin No. 2, and Begarbao can be excluded from coverage;

If it is grade 4 and above, surgical removal is recommended, and if the nodule is benign, it is generally covered normally.

In fact, nodules are not terrible, most of them are benign, as long as you go to the hospital regularly for reexamination.

But for insurance, it is still recommended that you buy it as soon as possible, otherwise it will be very troublesome to buy insurance once the problem is checked.

The above content**Deep Blue Bao official website, I hope it can help you!

Breast nodules can be insured with life insurance, but life insurance will also have a health notice, as long as it is not mentioned in the health notice, you can apply for insurance normally.

Women with breast nodules don't worry, Daddy has an exclusive guide to answer your questions "Breast nodules, breast hyperplasia and other women's problems Super Practical Insurance Strategy".

Hello, if the nodule is not a big problem, it can be bought.

What you can buy is that you need to tell the truth. Failure to tell the truth may result in the insurance company denying the claim.

If there is no problem, it can be covered normally.

In severe cases, coverage may be extended.

Patients with breast nodules can take out critical illness insurance. There may be two types of underwriting conclusions: standard underwriting or exclusion of liability.

If it is a positive pathological examination result that has undergone surgery**, and the past breast ultrasound examination is normal, then the normal insurance is high-risk, such as the best life guard (hero), worry-free life 2020 plus energy insurance is reflected in the fact that everyone pays more attention to health, and there are more and more people who have regular physical examinations, and in women, the most common abnormality is breast nodules. Can I still buy insurance for breast nodules? The answer, of course, is yes.

Let's take a look at a few underwriting results.

Standard sum insured. Unconditional coverage at the standard rate is best. Premium insurance.

Extended insurance: If you can't apply for insurance for the time being, you will be able to observe for a period of time before deciding how to apply for insurance. Whether breast nodules can be insured for critical illness depends on whether they can pass the health notice of critical illness insurance.

Take, for example, the health notification of breast nodules.

If the breast nodule has undergone surgery**, and the pathological results are clearly benign, the postoperative recovery has been more than one year, and there is no abnormality in the re-examination of breast ultrasound or mammography, it can be standardized to accept the insurance, if it is not benign, or the recovery is less than one year, or the re-examination is abnormal, it cannot be insured. If there is no surgery**, but there is a breast ultrasound examination or mammography within half a year, and the examination results are not abnormal, insurance can be excluded, that is, the breast carcinoma in situ, breast malignancy and its metastasis and ** will not be liable for the claim; If there is no test result within half a year, or if the test result is abnormal, you cannot apply for insurance.