Can parents with three highs still buy insurance?

OK. It can be equipped with cancer medical insurance and accident insurance. Small premium, large sum insured. It will be used for daily bumps.

In general, it is possible to buy.

You can sell accident insurance, cancer insurance, and pensions.

Accident insurance, which can transfer the risks of outpatient, hospitalization and disability and death caused by accidents. And there is no need for health advice. Generally, the elderly are prone to bumps, and it is not necessary to buy an accident insurance.

Cancer insurance, that is, if you have cancer, you can reimburse the cancer medical expenses or you can pay the compensation in a lump sum, and the three highs will not affect the purchase of cancer insurance.

Pension, which is a savings annuity, so the requirements for physical condition are low, and it is generally easier to buy.

The three highs are actually three common chronic diseases, hypertension, hyperlipidemia and hyperglycemia. Generally speaking, it is difficult to buy health insurance with three highs, but this is not absolute, different insurance companies, different types of insurance, the restrictions and requirements for the age of insurance are different, and the actual insurance types and insurance rules shall prevail. If in doubt, you can contact the insurance company for consultation.

95511-1, Ping An Property Insurance: 95511-5, Ping An Pension Group Insurance: 95511-6.

Of course, yes, the first choice is an accident insurance for the elderly, basically there is no threshold, you can buy it if you are sick or not, you can report it if you bump and fall, and you can get it for 100 yuan a year; Secondly, you can choose cancer prevention insurance and cancer medical insurance, which mainly pay for and reimburse the medical expenses caused by cancer, not only for the three highs, but also for diabetes and advanced age.

The common characteristics of the "three highs" are high prevalence, low control rate, and many complications.

It is conceivable that the probability of insurance for the three-high group is very high, so the insurance company will be stricter and have many restrictions on the three-high group.

1) Hypertensive patients are insured.

Critical Illness Insurance: There is a chance that you will be covered normally.

Medical Insurance: Some products may be excluded.

Term life insurance: high probability of normal underwriting.

Accident insurance: The limit is small, and it can generally be insured normally.

2) Patients with hyperlipidemia are insured.

Critical illness insurance: Relatively loose underwriting.

Medical insurance: Some products can be covered normally.

Term Life Insurance: High probability of normal underwriting.

Accident insurance: There are many product choices.

3) Patients with hyperglycemia are insured.

Critical Illness Insurance: There is a chance that you will be covered normally.

Medical insurance: There are also products for people with type 2 diabetes.

Term Life Insurance: Subject to availability.

Accident insurance: Minor impact.

A lot of insurance companies are trapped! There are many insurance products, which is very unfair to consumers! So you have to grasp one principle, which is security!

For example, if you pay 5,000 yuan a year, and you pay 100,000 yuan in 20 years, when you unfortunately have an accident and the insurance company compensates you 100,000 yuan, it will be unfair to you. The insurance company will pay you at least 500,000 to 1 million, which is insurance and protection.

Well, I personally think that in the third year of high school, well, I trust some of Amway's health supplements

Generally, you can buy cancer insurance or cancer medical insurance.

Cancer insurance health notice is relaxed, even if the health is abnormal, it is not difficult to buy, in addition, you can also choose: cancer medical insurance.

The common feature of these two is that the insurance age is wide, up to 85 years old can be bought, health notice relaxed cancer insurance: the insurance amount is usually 10-500,000 yuan, you can get a fixed amount of insurance at one time, lose money first and then treat the disease.

If you have enough budget, you can buy both to strengthen your protection.

In Ping An, we have insurance specifically for the three highs.

Sangao cannot buy any insurance.

For people who have been diagnosed with the "three highs", there may be some insurance that cannot be purchased, but not all insurance cannot be purchased.

The "three highs" crowd can choose these insurances:

1.Health care.

It is recommended that the three-high population should first be equipped with medical insurance. Health insurance is a state welfare insurance that is not for profit, so even if there is a physical abnormality, it can still be insured.

2.Accident insurance.

Accident insurance mainly protects accidental injury, which has nothing to do with one's own disease, and generally does not need to be informed of health when applying for insurance, so no matter what type of "three high" patients are, they can be purchased.

Many insurance companies have different maximum insurance ages for accident insurance products, so you should pay attention to the issue of the age of insurance when buying, so as to avoid remembering that you need to buy insurance when you are unable to insure.

3.Medical insurance.

For medical insurance, people with "three highs" are not completely refused, and different insurance products have different requirements, such as cancer insurance, which can be bought by people with three highs, so when you choose, it depends on the product.

Test your anti-risk index, experts will interpret it for you for free!

Yes, when parents are older, they can buy cancer insurance, accident insurance, and some million-dollar medical insurance.

1.Cancer insurance.

Cancer insurance is an insurance that only covers malignant tumors. But compared to critical illness insurance: its health information is relaxed, such as common high blood pressure, heart disease, and diabetes.

There is no need to worry about parents who have three highs and will be denied insurance. **More affordable. If your parents are over 50 years old, it is not cost-effective to purchase critical illness insurance, and there may be a situation where the premium is inverted, so it is better to configure cancer insurance now.

There is a wide range of age options. Typical critical illness insurance cannot be purchased after the age of 60, but even the elderly in their seventies can take out cancer insurance. If you want to know more about cancer insurance, you can take a look at this popular science article:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2.Accident insurance.

Accident insurance generally covers accidental death, dismemberment, and accidental medical treatment. As our parents get older, their legs and feet are not as flexible as our young people, and the probability of accidents will be greatly increased. With accident insurance, you can transfer the financial risk of your parents suffering from accidents.

Moreover, most accident insurance is not health informed, even if the body has a slight problem, you can also insure.

3. Part of the million-dollar medical insurance.

It is true that insurance is not very friendly to the three highs, but if the three highs are not too serious and there are no other complications, some million medical treatments will also be covered. Here is also a list of million medical insurance for you, including millions of medical insurance specifically for hypertension, diabetes and other conditions, if you are interested, you can understand: the latest top ten million medical insurance rankings are newly released!

For those who are not clear about the content of critical illness insurance, accident insurance and medical insurance I mentioned above, you can also take a look at this popular science article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Yes, but it seems that people with high blood pressure can't buy health insurance. Other types of insurance are available.

Insurance covers future risks, and the elderly are not very rich in insurance for the elderly due to their poor physical condition and high probability of risk occurrence.

If you have suffered from high blood pressure, diabetes and other diseases before, health insurance cannot be bought, accident insurance should be available, but depending on the specific type of insurance, pension insurance and life insurance are generally not available. It is better to buy insurance locally, and it is relatively convenient to purchase insurance for claims and other services of insurance companies.

Hypertensive patients need to be insured according to the specific condition, need to tell the truth and submit medical records or examination reports, the insurance company's underwriting department to review after receipt, generally required to go to the designated hospital to accept the designated items of physical examination, if the physical examination results are not normal, may refuse insurance.

It is also possible to ask for an increase in the premium insurance, and it is also possible to make exceptions (no compensation) for the disease and complications of the disease, and there is also a possibility to limit the maximum benefit, of course, these additional conditions are not accepted, and the insurance company will not charge the medical examination fee.

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

The three highs refer to high blood pressure, high blood lipids, and high blood sugar, which are collectively referred to as the three highs. If you get any of them, it is very likely that you will not be able to buy critical illness insurance and medical insurance. But you can also have the following three types of insurance, which is better than nothing.

The first type, accident insurance, accident insurance protects accidental injury, and the probability of an accident is not directly related to your personal health status. Therefore, the three high people can buy with confidence.

Second, cancer insurance, the incidence of cancer has always ranked first in the incidence of critical illness. Cancer accounts for more than half of critical illness insurance claims. But if you have three highs, it is very difficult to buy critical illness insurance.

If you don't change your pretense and get diagnosed with cancer, he will give you a sum of money to spend at will, at least better than nothing.

The third. Cancer medical insurance. We can understand it as medical insurance that only covers cancer, and if you are unfortunately diagnosed with cancer, he will reimburse you for the cost of hospitalization**.

The general medical insurance health notice is strict. If you get the three highs, you basically can't buy it, but we can also buy cancer prevention medical insurance with a relaxed health notice.

Test your anti-risk index, experts will interpret it for you for free!

The three highs buy insurance, which is divided into insurance types and specific conditions. Whether you can buy it depends on the underwriting results.

First, the types of insurance are different, and different insurances include education insurance, life insurance, medical insurance, pension insurance, critical illness insurance, accident insurance, etc., among which education insurance, pension insurance, dividend insurance and other types of insurance that are not related to illness basically belong to the scope of financial insurance. Accident insurance falls under the category of accidents, and critical illness is related to illness.

The financial insurance itself is biased towards the direction of financial management, so the requirements for physical fitness are not high, the income is also fixed, and it is not responsible for the disease, as long as it does not involve death, nothing will change. Therefore, you can buy endowment insurance, dividend insurance and other insurance that has little to do with illness for your parents, and you can also give the elderly a certain amount of protection.

The "three highs" are chronic diseases, so accident insurance can generally be purchased.

2. Whether or not you can buy insurance if there is a difference in the condition of the "three highs" has nothing to do with whether there is a real "three highs" in the body, and the basis for the insurance company's underwriting is the physical examination and medical records of the tertiary hospital. If your parents have three highs, but have not been recognized by a tertiary hospital, but have only passed the self-test and found it during the public health examination, you can try to apply for insurance.

The "three highs" refer to high blood pressure, hyperlipidemia and high blood sugar, respectively. The illnesses of the three are also different, and the underwriting rules for the three are also different in the insurance process. In general, people with high blood pressure can be insured if their blood pressure is stable and their blood pressure remains low.

The same is true for the other two diseases, except that hyperglycemia has a lower underwriting pass rate than hypertension and hyperlipidemia, after all, hypertension is relatively easy to control.

For the "three highs" insurance, before the diagnosis, medical insurance, critical illness insurance, and life insurance can basically be invested. After diagnosis, the underwriting pass rate is also very high when it is relatively mild and stable.

But,For patients with different degrees of three highs and three highs of different ages, the premium will fluctuate after the insurance is purchased。For example, medical insurance is reviewed once a year, and it is not excluded that you can apply for it in the first year and refuse to cover it in the second year.

For specific insurance plans, family members can refer to the insurance requirements and protection terms of different insurance companies for different types of insuranceThere will be differences between each company and each type of insurance, and the personal situation of each three-high patient is also different, through consultation and comparison, as long as it is not particularly serious in the first three-high patient, you can generally find the underwriting unit and insurance type, and the final result is subject to the underwriting review results.

Under normal circumstances, it is more difficult for these groups of people to insure their favorite critical illness insurance and millions of medical insurance products, but they still have the opportunity to buy insurance.

Friends who don't know how to buy insurance for their parents, you can take a look at this article: What are the [old people's insurance] and what insurance is good for your parents, you need to know.

1. Cancer insurance.

Cancer insurance is a benefit-based insurance, which mainly provides protection for cancer diseases as stipulated in the policy.

During the coverage period, if the insured suffers from a cancer disease as stipulated in the policy and meets the claim, the insurance company will pay a sum of insurance benefits as agreed. Then we can use this money to pay the ** fee and reduce our financial burden to a certain extent.

For those who don't know about cancer insurance, you can take a look at this article: what is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2. Cancer prevention medical insurance.

Cancer medical insurance is mainly used to reimburse the ** expenses incurred by our hospitalization due to cancer, and all expenses within the scope of cancer medical insurance can be reimbursed by cancer medical insurance.

3. Accident insurance.

With the growth of age, many elderly people do not move as well as before, and are prone to accidental falls, etc., and accident insurance is mainly to protect personal injury caused by external, sudden, unintentional, and non-disease events, so it is better to configure an accident insurance for the elderly.