Can I buy insurance if I have congenital heart disease? What kind of insurance can I buy?

Accident insurance can be purchased.

For the choice of insurance type, it is recommended to give priority to purchasing accident insurance. Under normal circumstances, for congenital heart disease insurance, life insurance and critical illness insurance, the general insurance company will postpone the coverage for non-surgery and surgery within one year, and the insurance company may consider allowing the standard rate to underwrite for those who have undergone surgery for more than five years.

If you apply for medical insurance, the general congenital heart, no surgery, no surgery** or three years after surgery will not be covered by the general insurance company, and the insurance company will usually add additional exclusions in other cases. For severe congenital heart disease, the insurance company will generally refuse to cover life, critical illness or medical insurance.

Insurance companies usually adopt different treatment methods when underwriting according to different disease levels, and it is recommended to consult one or two more professional insurance companies, because different companies will have different scales when underwriting. If the insurance company allows you to take out insurance, you can consider taking out some medical compensation insurance to get daily medical protection.

There are many types of congenital heart disease, and different types of heart disease have different severities, so the underwriting rules of different types of insurance companies will definitely be different, but if there is congenital heart disease, there may be some obstacles to purchasing some insurance. If the insured person is younger than 2 years old and wants to purchase health insurance such as critical illness insurance, medical insurance, etc., regardless of the type of heart disease, the general insurance company will postpone the coverage until the age of 2. The main reason is that some heart diseases can heal on their own with age, and when there are no problems after healing, the insurance company will cover it normally after successful underwriting.

Part of the reason is that if you are too young, the insurance company cannot be sure whether the condition will worsen, and the insurance company cannot assess the risk, so it will choose to extend the coverage.

If the insured is an adult, then commercial insurance may not be bought, and the insurance company will make a decision on underwriting, additional underwriting, liability exclusion and refusal according to the actual physical health condition, and the social security can be improved first. If you can't buy health insurance, you can try to buy accident insurance, accident insurance does not have health notice, the insurance company underwriting is not so strict, the probability of underwriting will be relatively large, you can also buy annuity insurance, annuity insurance is mainly a survival payment, can be used for a certain amount of investment and financial management.

It is more difficult for heart patients to take out insurance, but it is not completely impossible to insure, and those who can pass the health notice can generally be considered.

The most important thing to insure with illness is the health notification link, how to inform the health please see this article "What is the health notice?" How? Is smart underwriting lenient? 》

Answer: Hello, glad to answer for you. For heart disease, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance for those under the age of 45, and the elderly over 60 years old can replace critical illness insurance with cancer insurance. If you have already suffered from heart disease, then you can generally only purchase accident insurance, and accident insurance does not require health notice.

Health insurance can be more difficult to insure because the insurance company will make decisions to increase premiums, exclude liabilities, and deny coverage depending on the severity of the policyholder's condition. If you don't have heart disease and want to prevent the possibility of heart disease in the future, you can purchase critical illness insurance. The sum insured of critical illness insurance is generally more than 300,000 yuan, and it will be paid immediately after diagnosis.

Heart disease refers to a series of diseases that affect the heart muscle, causing cardiac insufficiency, which is characterized by inappropriate hypertrophy or dilation of the ventricles. This type of disease cannot be purchased with health insurance, and critical illness insurance and medical insurance are all reported. However, accident insurance can still be purchased normally, and as for life insurance and cancer insurance, it may be covered by standard coverage, exclusion coverage, or denial of coverage.

Can I buy insurance for heart disease? Well, it should be possible, but there should be very few people who are covered by this kind of insurance.

So far, the insurance has not accepted new patients.

There are many types of heart disease and different severities, so the conditions for underwriting will also be different. For children with congenital heart disease, if they are less than 2 years old, when applying for health insurance such as medical insurance and critical illness insurance, the insurance company will extend the insurance to 2 years old, and then make a decision on whether to cover the insurance according to the physical condition of the insured. If heart disease heals with age, there is a good chance that the insurance company will cover it.

If adults or the elderly with heart disease want to insure, it is difficult to buy commercial insurance, there is no way to buy health insurance if the body is not healthy, you can strengthen the protection of accident and pension financial insurance, this kind of protection generally does not need to be informed of health and health, the physical condition of the insured is relatively low, and the probability of insurance company underwriting is very large.

Whether or not you can buy insurance for heart disease depends on the specific situation, and you need to tell the truth when you apply for insurance, and the insurance company will make a decision on whether to cover it according to the actual situation.

Congenital heart disease is a congenital disease that can be reimbursed by purchasing national medical insurance, and commercial insurance usually cannot compensate for it, which is counted as exemption from liability. If the insured has serious diseases, congenital malformations, genetic diseases, deformities or chromosomal abnormalities, the insurance company will not pay insurance compensation if the insurance company finds that the insured suffers from congenital diseases after the policyholder has purchased the insurance. The above is what kind of insurance to buy for congenital heart disease.

1. Suicide: In accident insurance, if the insured commits suicide or self-harm, the insurer does not bear the obligation to pay the insurance money. In life insurance, the suicide of the insured within 2 years at the time of the conclusion of the contract is also counted as exemption, but the insured is incapacitated for civil conduct.

2. Insurance fraud: If the policyholder, the insured or the profiteer falsely claims that an insured accident has occurred and claims to the insurer for compensation or calculation of insurance money without an insured accident, the insurer may terminate the insurance contract and not return the insurance premium. At the same time, if these three parties deliberately create an insured accident in order to obtain insurance compensation, the insurer can also terminate the contract without returning the insurance money.