Can I buy insurance for asthma? Can I buy insurance for asthma?

Hello, you can buy insurance for asthma, but it depends on what insurance you buy.

The insurance for personal health belongs to health insurance, and the insurance strategy for health insurance can be found here to view the "Health Insurance Strategy, These Tips Must Be Collected".

For sick insurance, no matter what part of the disease is, the degree of restriction is medical insurance, critical illness insurance, life insurance, and accident insurance.

This means that medical insurance is the most stringent health notice, followed by critical illness insurance, life insurance, and accident insurance.

Life insurance generally denies coverage for chronic obstructive pulmonary disease, lung cancer and cor pulmonale, and most of the others are insurable; Accident insurance generally has no restrictions on illness, and most of them are relatively easy to insure.

Asthma is a lung disease and a respiratory disease, so if you ask about it when you make health notices, you must tell us truthfully.

In fact, many online insurance companies can now carry out intelligent underwriting, and when you ask about related diseases, you can choose "some situations" to enter the intelligent underwriting channel.

Patients with asthma can buy insurance, but they will be affected when applying for health insurance, and they need to truthfully inform their health status, and the critical illness insurance is mild or moderate asthma, and the condition is stable, and they can usually be insured as standard, otherwise they may increase the fee and refuse to buy medical insurance, and they are likely to be responsible for the standard body underwriting.

Asthma patients can also buy insurance, and the principle of insurance underwriting for asthma patients is to ask for medical records, pulmonary function test reports, etc., according to age, asthma attack frequency, pulmonary function test results, etc. Insurance products have different underwriting results for asthma depending on the protection liability.

Today, let's talk about those things about asthma patients buying insurance Before starting, please check this insurance science guide: super complete! Everything you need to know about insurance is here.

Let's take a look at the insurance requirements for asthma patients of various popular insurance types:

1. Critical illness insurance.

Asthma patients may be covered under the standard if they are under the age of 4, still in asthma**, diagnosed with severe asthma, still smoked, have had or are currently testing less than 80% of the pulmonary function tests, and have not had an attack or no asthma symptoms in the past year.

So, if the above situation occurs, does it mean that asthma patients cannot buy critical illness insurance? This is going to involve the topic of sick insurance, you can see here for details: remember these 5 steps to make you successfully insured with illness!

2. Accident insurance.

Most accident insurance products do not have health notices, and asthma patients can apply for insurance normally.

3. Term life insurance.

If the product health notice does not ask about asthma, asthma patients can be insured normally. If you ask about the relevant asthma disease, you need to tell the truth, try the tips mentioned above to insure with illness, and if you still can't pass the underwriting, choose other products to start.

4. Medical insurance.

If you have been diagnosed with asthma for 1 year, have not been diagnosed with severe asthma, and have not had an attack for one year since the end of **, you have the opportunity to apply for medical insurance normally.

Like critical illness insurance, medical insurance also has very strict requirements for the health notification of the insured, and asthma patients need to master certain health notification skills in order to increase the success rate of insurance.

What are the tips for health notification, you can move here to understand: What are the tips for health notification when applying for insurance?

Asthma insurance is available, but only if you comply with the health notice.

In fact, there are some things to pay attention to: "What are the precautions for buying insurance?" Do you know it all? 》

Asthma is one of the most common chronic diseases. According to the data of the authoritative medical journal The Lancet, the number of people with asthma over 20 years old in China is as high as 45.7 million, and the prevalence rate is about %.

Although asthma cannot be completely controlled, it can be reasonably controlled by most people after long-term regulation. So, how should asthma sufferers buy insurance?

Critical illness insurance: As long as asthma can be reasonably controlled, many critical illness insurance policies can be covered normally.

Medical insurance: The underwriting is relatively strict, and at present, Ping An e Life Insurance can be underwritten normally as long as there is no history of severe asthma, no hospitalization for asthma within 1 year, normal lung function, etc.

Life insurance: The health notice of term life insurance rarely mentions asthma, such as Three Gorges Love, Damai Dingshou, Ruitairui and 2019, Optimus Prime No. 3, etc. If the other notification questions are also met, you can apply for insurance directly.

It can be seen that it is relatively easy for asthma patients to be insured, and there are many products to choose from.

However, we should not take it lightly, and we must do a good job in disease control. In addition to avoiding exposure to dust mites, pollen and other triggers, remember to carry your medication with you.

You can buy it, you can buy several insurance companies to try it, some may give you exclusions related liabilities, such as lung-related diseases are not covered, and some may increase the premium, but provide you with full coverage.

Of course, you can buy insurance, because no matter what kind of illness you can buy insurance, and these insurances are very beneficial to you, and you will also get a lot of help.

Many people choose to buy insurance to add a guarantee to their lives, which also makes insurance an indispensable and important product in many people's lives. And there are a lot of people in our country who suffer from respiratory diseases, which is a chronic disease,Many people are afraid of being rejected by the insurance company, but in fact, even for some asthma patients, it is possible to buy insurance.

Although the choice of insurance for asthma patients may be affected when they buy insurance, we need to carefully screen what kind of insurance is suitable for them. For example, critical illness insurance is a type of insurance that we can choose, and the degree of asthma is also divided into many typesIf the condition is stable, you can receive insurance coverage, but most insurance companies will refuse to cover if the asthma is too severe。Of course, if the principal patient still has some bad habits, such as smoking and drinking, the corresponding premiums may also be increased.

In addition to some critical illness insurance, medical insurance is also available to asthma patients, although his requirements are stricter, but some asthma patients can receive coverage if they are not hospitalized within a year. However, for medical insurance, most of them will be covered if they have recovered from childhood for more than three years, while others will be directly refused to apply for insurance if they are more special. Therefore, compared with medical insurance, we still choose critical illness insurance, which may be more secure and can be passed more smoothly.

According to our own situation, each of us who wants to be insured needs to understand our own situation, what kind of disease level asthma is, and then understand the requirements required for these insurances to see if we are eligible to apply for insurance. In fact, for people with asthma, the requirements of each insurance company are differentWe can choose an insurance company according to our own physical condition requirements and the reason for insurance.

Patients with asthma can buy insurance, but they will be affected when applying for health insurance, and they need to truthfully inform their health status, and the critical illness insurance is mild or moderate asthma, and the condition is stable, and they can usually be insured as standard, otherwise they may increase the fee and refuse to buy medical insurance, and they are likely to be responsible for the standard body underwriting.

You can buy insurance, as long as you tell the other party about your needs, you can buy a corresponding insurance, and it is also a great help to your body.

It is possible to buy insurance, but many insurance companies do not have the function of claiming claims in this regard, because this can also be used.

Bronchial asthma can also be insured, asthma patients can choose products with relatively loose health notices, and Daddy here is a product with relatively loose health notices, you can click here to learn about it. "Fude Life Kangyou Life Critical Illness Insurance, Health Notification is Quite Rare!》

Asthma is a common respiratory disease that occurs due to both genetic and environmental factors. At the same time, asthma is also recognized as a medical problem in the world, and the World Health Organization has listed it as one of the four major diseases, and it is the second leading cause of death and disability in the world after cancer. In general, if one parent has an asthmatic condition, the risk of asthma is as high as 30%.

So can friends with asthma symptoms still buy insurance?You don't have to worry too much, even if you are in the asthma onset period, or have had asthma symptoms within 2 years, you can still buy insurance products. Generally speaking, insurance companies' underwriting guidelines classify asthma as mild, moderate, and severe.

Asthma symptoms disappear or ** after 2 years, non-smokers can be covered at the standard rateMild asthma, non-smokers, can generally be covered by standard bodies;If you have developed moderate or severe asthma, you may need to add or exclude coverage.

Bronchial asthma you have to have antispasmodic, you need to use a little aminophylline, you can also prevent asthma medicine, you can use that monteluk.

Patients with asthma can buy insurance, but they will be affected when applying for health insurance, and they need to truthfully inform their health status, and the critical illness insurance is mild or moderate asthma, and the condition is stable, and they can usually be insured as standard, otherwise they may increase the fee and refuse to buy medical insurance, and they are likely to be responsible for the standard body underwriting.

Generally, if you are found to have a disease before buying insurance, you will not be able to buy insurance.

This can be bought for resident medical insurance, and employee medical insurance can also be used.

It depends on the severity of the disease. Generally, it can be underwritten, which is nothing more than standard coverage or additional coverage. If there are special circumstances, such as smoking, etc., you may be denied insurance. If you want to get professional insurance advice, you can send a private message.

1.The waiver covers 105 illnesses, including 65 critical illnesses, 35 specific illnesses, and 5 children's specific illnesses.

However, it does not contain asthma.

In other words, if you have asthma, you can buy exemption insurance, but asthma diseases do not enjoy exemption.

2.Asthma is mostly related to allergies, and if parents have asthma, this allergy will be passed on to their children, and children with allergies are more likely to develop asthma. It is necessary to take precautions against colds, reduce the number of times you go to crowded public places, and add or remove clothing according to the season.

Above. The subject can use his or her own discretion.

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

Asthma is a relatively common chronic disease, and asthma attacks require all effort to breathe, which may lead to respiratory failure in severe cases. Or even death. However, as long as the disease of asthma is adhered to and standardized, the patient's lung function can be close to that of ordinary people.

Then for this disease, it can be insured in this way.

Asthma can be insured, and the following is the insurance status of asthma critical illness insurance and medical insurance:

1. Critical illness insurance: if you are in the onset period or have symptoms within 2 years, it is mild or moderate, and it is covered by standard; Severe, denied insurance. Asymptomatic or ** for more than 2 years, standard coverage.

Smokers, current smokers, or those who have quit smoking within the last 2 years, are classified as mild and moderate, and are covered at an additional cost. Severe, denied insurance.

2. Medical insurance: only for childhood onset, recovery time is more than 3 years, standard coverage; If the recovery time is less than 3 years, the exclusion is covered. In other cases, medical insurance is outright denied.

Generally speaking, if you have asthma, it is more appropriate to buy critical illness insurance, medical insurance and accident insurance, but the health notice of most products has asked about asthma, and whether you can buy it depends on the underwriting of the product. When it comes to taking out sick insurance, it will be helpful for you to master these tips:Remember these 5 steps to get you sick and get out of the insurance smoothly!

For accident insurance, if there is asthma, it can usually be insured normally, because accident insurance provides corresponding protection for accidents such as falls and burns, and has nothing to do with diseases.

For critical illness insurance and medical insurance, the underwriting results of asthma are usually standard underwriting, exclusion coverage, and refusal of insurance.

In terms of underwriting, there are usually two kinds of intelligent underwriting and manual underwriting, if you want to know the specific content, then you can take a look at this article:What is the difference between smart underwriting and manual underwriting? This article will take you to understand the correct posture for insurance!

If you are suffering from asthma, it is best to choose a product with loose underwriting, so that the probability of successful insurance will be relatively large, in addition, it is best to find more insurance companies for simultaneous underwriting, because the underwriting situation and relaxation of each insurance company are different. Bu next to it. Hope!