What are the conditions that cannot be purchased with critical illness insurance?

Those who buy critical illness insurance must comply with the health notice in the clause, and people who do not meet the health notice usually cannot apply for critical illness insurance. 》

If there is some history of disease, see below:

1. Chronic diseases.

Although chronic diseases do not have a direct impact on the patient's life, they can cause many complications, which will have a serious impact on the patient's health and require long-term treatment. For example, high blood pressure, diabetes, etc., if the situation is serious, the insurance company will directly refuse to insure, and if the situation is better, there is also the possibility of standard body coverage.

2. Congenital diseases and family history.

If the insured person has a congenital disease, or has a family history of the disease, and the insured person has a genetic predisposition, then the insurance company will generally refuse to cover.

3. History of serious illness.

If the policyholder has already suffered from a critical illness before purchasing the insurance, if he or she still wants to apply for critical illness insurance, he or she will generally face exclusions and denials. If there is a possibility of **, it is usually a denial of insurance.

4. Bad living habits.

In addition to past medical history, there are also bad lifestyle habits, such as smoking, drinking, etc. The insurance company will decide whether to insure or not based on the risk of the claim.

Summary: If the policyholder has health problems, it may have an impact on the insurance, but the insurance company will not "cut it all", if the situation is not serious, there is still the possibility of insurance. Therefore, Xi Caijun recommends that you should buy insurance when you are in good health.

Critical illness insurance protects "critical illness", and the incidence rate of the 25 major diseases that must be insured by the Insurance Regulatory Commission accounts for about 95% of all critical diseases, which is very risky compared to insurance companies. The insurance company will also conduct random checks on some people for physical examination from time to time. Different insurance companies will have different standards for specific diseases that cannot be insured.

It is not recommended to have a self-examination before applying for insurance, as it may affect the insurance application.

The 25 types of critical illnesses covered by the CIRC:

Malignancy. Acute myocardial infarction.

Sequelae of stroke.

Major organ transplantation or hematopoietic stem cell transplantation.

Coronary artery bypass grafting.

End-stage renal disease.

Arterial surgery. Acute or subacute severe hepatitis.

Benign brain tumors.

Decompensated chronic liver failure.

Sequelae of encephalitis or sequelae of meningitis.

Deep coma. Deafness in both ears.

Blindness. Paralysis.

Heart valve surgery.

Severe Alzheimer's disease.

Severe brain injury.

Severe Parkinson's disease.

Severe burns.

Severe primary pulmonary hypertension.

Severe motor neuron disease.

Loss of language.

Major aplastic anemia.

Multiple limbs are missing.

Friends who have bought insurance know that there will be health notices when they buy insurance, so is it only standard healthy people who can buy insurance? I've had a sick life and I don't have insurance?

The answer is not necessarily, it is indeed difficult to insure if you have a medical history, but it is not that you can't be insured, and there are still corresponding products to choose from.

How to buy critical illness insurance when I am sick?

1. Choose an insurance that is easy to inform

Different products have different health notices, and there are also differences between different products of the same company, so friends who have some minor health problems can choose products with relatively loose health notices to insure. Top 10 health information about the most lenient insurance ** points!

2. Intelligent underwriting

In order to facilitate the group of people who do not meet the health notice, many insurance companies have developed intelligent underwriting systems, and even if they do not meet the health notice, they may be successfully insured. Smart underwriting can immediately know whether you can buy it, whether you want to increase the fee, and how much.

The essence is to divide the population more carefully, so that people who are not very seriously ill can be successfully insured, and avoid once cut.

3. Offline insurance

Although some products now support online intelligent underwriting, or even online manual underwriting, the online underwriting function of most products is still relatively wooden, if the physical condition is complex, it is best to choose offline insurance, in order to choose offline to fill in the paper information, it will be more flexible. One thing to note is that the products insured offline are generally expensive and not cost-effectiveTop 10 most cost-effective insurance points!

The above is my many years of experience in buying insurance, I hope it can help you.

Under normal circumstances, critical illness insurance is not available for the following conditions. 1. Malignant tumors; 2. Acute myocardial infarction; 3. Sequelae of stroke; 4. Major organ transplantation or hematopoietic stem cell transplantation; 5. Coronary artery bypass grafting (or coronary artery bypass grafting); 6. End-stage renal disease (or chronic renal failure, uremia stage); 7. Multiple limbs are missing; 8. Acute or subacute severe hepatitis; 9. Benign brain tumor; 10. Decompensated stage of chronic liver failure; 11. Sequelae of encephalitis or meningitis; 12. Deep coma; 13. Deafness in both ears; 14. Blindness; 15. Paralysis; 16. Heart valve surgery; 17. Severe Alzheimer's disease; 18. Severe brain injury; 19. Severe Parkinson's disease; 20. Severe burns; 21. Severe primary pulmonary hypertension; 22. Severe motor neuron disease; 23. Loss of language ability; 24. Severe aplastic anemia; 25. Aortic surgery; 26. Severe multiple sclerosis; 27. Severe type diabetes; 28. Erosive molar pregnancy (or malignant molar pregnancy); 29. Systemic lupus erythematosus complicated by severe renal impairment; 30. Severe primary cardiomyopathy.

1. Malignant tumors; [Click to get free 1-to-1 insurance consulting services] 2. Acute myocardial infarction;

3. Sequelae of stroke;

4. Major organ transplantation or hematopoietic stem cell transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting);

6. End-stage renal disease (or chronic renal failure, uremia stage);

7. Multiple limbs are missing;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor;

10. Decompensated stage of chronic liver failure;

11. Sequelae of encephalitis or meningitis;

12. Deep coma;

13. Deafness in both ears;

14. Blindness;

15. Paralysis;

16. Heart valve surgery;

17. Severe Alzheimer's disease;

18. Severe brain injury;

19. Severe Parkinson's disease;

20. Severe burns;

21. Severe primary pulmonary hypertension;

22. Severe motor neuron disease;

23. Loss of language ability;

24. Severe aplastic anemia;

25. Aortic surgery;

26. Severe multiple sclerosis;

27. Severe type diabetes;

28. Erosive molar pregnancy (or malignant molar pregnancy);

29. Systemic lupus erythematosus complicated by severe renal impairment;

30. Severe primary cardiomyopathy.

The above content is for reference only, and the specific insurance contract and terms are subject to the actual insurance application] Camel Planning hopes to become a third-party security planning platform worthy of your trust, Camel Planning adheres to the principle of "assisting insurance decision-making with scientific concepts", relying on big data, cloud computing and artificial intelligence to develop a program configuration system to help users achieve family risk quantification and accurate product matching; Through actuarial, underwriting, claims, legal and other professional support, we provide users with efficient and worry-free full-process services. <>

It is necessary to buy critical illness insurance, some people may think that medical insurance is enough, but the coverage of medical insurance is not wide, and critical illness insurance can supplement the lack of social security and play a better role in medical protection.

If you want to buy critical illness insurance, you need to pay attention to it, you can't step on the thunder, Dad's article can help you further understand critical illness insurance "The most complete interpretation: What is critical illness insurance?" What exactly is the use? 》

Critical illness insurance is a must, and the sooner you buy it, the betterOtherwise, if you are old or sick, you will not be able to buy it, and it will be troublesomeHowever, before buying, you should also know what are the common pitfalls of critical illness insurance, and it is not good to be fooled.

There are a lot of pitfalls in critical illness insurance, and the senior sister tells you to avoid them by hand!

In recent years, the incidence of critical illness has gradually increased, and the fast-paced life has a certain impact on everyone's health.

The function of critical illness insurance is to provide a sum of money when a critical illness comes, and this money can be used to see a doctor and hire a nurse, or simply go out for a leisurely trip.

At present, there are many critical illness insurance products on the market, and it is not very helpful to just list all the product names to the subject.

The risk of illness can be prevented with critical illness insurance, but there is also the risk of accident and death in life, so you must fully protect yourself and your familyHow to buy insurance for different age groups? Everyone should have their own plan

I want to ask if I have bought critical illness insurance for a few years, I have paid more than 5,000 per year, I have paid for 6 years, and I have to pay 14 years of premiums. It's very knotty.

Civil Code of the People's Republic of China Article 577:Where one of the parties fails to perform its contractual obligations or the performance of its contractual obligations does not conform to the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses.

If one of the parties expressly states or shows by its own conduct that it will not perform its contractual obligations, the other party may request it to bear the liability for breach of contract before the expiration of the performance period. Anticipatory breach is also known as pre-emptive breach and includes both express and implied repudiation. A party that expressly states that it will not perform the contract without justifiable reasons before the expiration of the performance period of the contract, or indicates by its own conduct that it will not perform the contract, constitutes an anticipatory breach of contract.

Civil Code of the People's Republic of China

Article 577:Where one of the parties fails to perform its contractual obligations or its performance does not conform to the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses.

Article 578:Where one of the parties expressly states or shows by its own conduct that it will not perform its contractual obligations, the other party may request that it bear liability for breach of contract before the expiration of the performance period.

Article 579:Where one of the parties fails to pay the price, remuneration, rent, or interest, or fails to perform other monetary debts, the other party may request payment from the other party.

Critical illness insurance is used to make up for the loss of income during our critical illness, some medical expenses that cannot be reimbursed, nutrition expenses, etc.; Whether you need to buy it depends on your personal situation.

If you have achieved an income without working, and you have an income even if you don't work, then a critical illness is of little significance;

If you are a wage earner, you have no income if you don't work, and from the perspective of protection, you need critical illness insurance;

If your family is financially strapped and your annual income is less than 30,000 yuan, you don't need critical illness protection for the time being.

Summary. 1. Chronic diseases 2. Congenital diseases, family history 3. History of serious diseases 4. Bad lifestyle habits.

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Different products have different health notices, and there are also differences between different products of the same company.

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1. Chronic diseases 2. Congenital diseases, family history 3. History of serious diseases 4. Bad lifestyle habits.

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Big three yang, congenital diseases, heart and hand bend related diseases, abnormal liver function, high blood pressure, hematuria, diabetes, breast nodules grade 4, severe stomach disease, hyperuricemia, etc., in addition to different diseases can not run insurance, there should be the following situations:

1. The purchase of critical illness insurance for people who have suffered from critical illness has certain requirements for the health condition of the insured, and if the insured has suffered from a critical illness, it is impossible to purchase critical illness insurance.

2. Those with unqualified health conditions cannot be bought, and people with unqualified health conditions cannot be bought.