What insurance is good for people with heart disease?

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

It is necessary to consider the income level of each family, the level of expenditure, and the role played by each family member

Critical illness insurance, medical insurance and accident insurance are the first choice for friends aged 0-20

How do I buy insurance for someone under 20 years old? Before the age of 20, in the period of physical and mental growth and development, it is inevitable to get sick during the growth process, so it is recommended to configure a medical insurance, which can be used to reimburse medical expenses; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

Growth stage (20-30 years old): critical illness insurance, accident insurance, medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, it is a very good stage in life, but the economic strength is limited, can not resist the torture of a serious illness, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is dozens of yuan, it can be considered, in line with this age group friends can see the senior sister beforeFor children in their 20s, what kind of insurance is the most cost-effective?

You can take a look at this article.

The best advice for young people (30-50 years old) is to buy critical illness insurance, life insurance, accident insurance and medical insurance

The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If the breadwinner of the family falls due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family. Friends who meet this age group can watch before the senior sisterI'm in my 30s, do I need insurance? What insurance to buy

For how to buy good insurance scientifically without being pitted, the key is to choose the right insurance product.

"What insurance is good for people with heart disease?"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hello! If you have heart disease, it is generally not covered by insurance companies, so it is recommended that you focus on purchasing social insurance.

You can buy social insurance, don't think about commercial insurance, you can buy commercial insurance, but if you are hospitalized due to heart disease, you will definitely not be compensated, and the premium will be confiscated.

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.

If you have heart disease, you can't buy medical insurance and critical illness insurance, even if you buy heart disease, you can't sell critical illness and hospitalization medical insurance in Ping An's commercial insurance, and you can't buy heart disease. You need to tell the insurance company about your heart condition. Insurance, heart disease.

If you want to prevent the possibility of heart disease in the future, you can purchase critical illness insurance. Because heart disease is a major disease, the cost of ** is usually relatively high. The sum insured of critical illness insurance is generally more than 300,000 yuan, and it will be paid immediately after diagnosis.

Heart disease is covered by critical illness insurance, so it's a great place to buy.

What other types of insurance are suitable for heart patients?

At present, because accident insurance covers accidents, it does not have any requirements for the physical health of the insured, as long as the insured meets the age requirements and occupation requirements, it can be purchased.

If you are diagnosed with a heart attack before the insurance, the insurance company will not let you buy insurance. Unlike if you didn't have a heart attack, it's okay to check it out after you buy it. You can only pay your own medical insurance and social security, and you can be reimbursed if you are sick at that time.

In addition to the difficulty of buying critical illness insurance, patients with coronary heart disease can also purchase cancer prevention insurance, cancer medical insurance, tax-advantaged health insurance and accident insurance, which have no requirements for coronary heart disease, so they can purchase these types of insurance.

Because the health notice understands that it is not possible to purchase critical illness insurance for coronary heart disease, you can purchase cancer prevention insurance that simply protects cancer; Cancer medical insurance that reimburses medical expenses due to cancer**; Or if you have already had a serious illness and can't buy cancer insurance, you can consider tax-advantaged health insurance, which allows you to take out insurance with illness, and even prepare for surgery in the future. There is also accident insurance, which is not directly related to illness, so the health requirements are very low, so having coronary heart disease will not affect the purchase.

Heart disease can generally only be insured by accident. If you have already suffered from a very serious heart disease, then you can generally only buy accident insurance, because accident insurance does not require health notice, and health insurance will be more difficult to insure. If you don't have heart disease and want to protect your risk of heart disease in the future, you can purchase critical illness insurance.

If you have a heart condition, you can buy an accident insurance. For specific purchase time, cost, age and other issues, it is recommended to consult more professionals.

The insurance company is not stupid and not stupid, if you have a heart disease and no one will give you insurance, it is recommended that you go to the hospital to see a doctor.

Definitely critical illness insurance, there can be no mistake with this.

Normally, it is not possible to purchase critical illness insurance for heart disease, such as coronary heart disease and myocardial infarction.

Hypertensive heart disease, cardiomyopathy, cor pulmonale.

etc., all of which cannot be insured with critical illness insurance.

But for congenital heart disease.

If it is a small child and younger, the insurance company may extend the coverage, because a small number of congenital heart diseases can recover naturally, in addition, for congenital heart disease that does not affect the normal study and life of the child, the insurance company also has the possibility of standard coverage, and for adults with congenital heart disease, the insurance company usually chooses to refuse the insurance.

Extended information: Insurance refers to commercial insurance in which the policyholder pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or the insured bears the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Behavior. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident;

From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses;

From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer";

from risk management.

From perspective, insurance is a method of risk management.

Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the type of insurance subject.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

1.Fire insurance covers the loss caused by fire on land stored within a certain geographical area and basically at rest, such as machinery, buildings, various raw materials or products, household utensils, etc.

2.Marine insurance is essentially a kind of transportation insurance, which is the earliest insurance in all kinds of insurance business, and the insurer is liable for the loss of the insurance subject matter caused by marine hazards.

3.Cargo transportation insurance is a cargo transportation insurance other than sea transportation, which mainly covers the loss of goods in the process of inland, river, coastal and air transportation.

4.All kinds of transportation insurance mainly covers the loss of various transportation vehicles during the driving and parking process. It mainly includes car insurance.

Aviation Insurance, Ship Insurance, Railway Vehicle Insurance.

5.Construction insurance covers all accidental losses and personal injuries and property losses of third parties during various projects.

6.Post-disaster loss of benefit insurance refers to the insurance in which the insurer bears insurance liability for various intangible interest losses that may arise after the property suffers from an insured event.

7.Theft insurance covers the loss of property caused by robbery or theft by thieves.

8.Agricultural insurance.

It mainly covers a variety of crops or cash crops.

and all kinds of livestock, poultry, etc. due to natural disasters.

or losses caused by accidents.

Heart patients can buy insurance, but it is generally difficult to buy health-related insurance, so the most suitable insurance is accident insurance, pension insurance, and financial insurance。With the increasing popularity of insurance knowledge, many people want to buy insurance for themselves to increase their own protection, and some people with heart diseases also want to buy insurance, but the problem is that this kind of group of people is relatively special, so there are many insurance that cannot be purchased.

However, all health-related insurance is basically impossible for heart patients to buy. Because it is necessary to have a physical examination before buying this type of insurance, and it is difficult for heart patients to pass the physical examination, and failing to pass the physical examination means that the insurance company will not cover it, and the purchase of this insurance fails. Some heart patients may have a fluke mentality, thinking that as long as they do not tell the other party the truth, there will be no problem after the contract between the two parties takes effect, but in fact, this practice is completely undesirable and will cause great losses to themselves.

Because this practice is a deliberate concealment, the insurance company has the right to choose to refuse the claim when the insured applies for insurance, and terminate the contract, and only refund the cash value of the policy. Therefore, no matter what kind of illness you have, you should inform the insurer in time, if the insurer is willing to underwrite, then the contract will officially take effect, and the insurer has the right and obligation to settle the claim if there is a problem in the future. What's more, heart disease is divided into serious and mild, and some relatively mild heart disease can also be purchased normally, which needs to be judged according to the regulations of the insurance company.

Heart patients can buy accident insurance, pension insurance and financial insurance for themselves. Because accident insurance does not require a physical examination, and there is no need to fill in your health status. Pension insurance can add protection to their future old age, and financial insurance can truly make money, which is a relatively insured way of financial management.

None of these insurances have anything to do with health, even if you have a heart condition, you have the right to buy them. Each insurance company's underwriting conditions are different, and they need to be considered according to the rules and regulations of the insurance company.