Fosun United Careful Love, is it an insurance that can be bought if you are infected with AIDS?

The main function of this insurance is the reimbursement type cancer insurance, which is a one-year insurance that is reimbursed first, and the main feature of the product introduction is that you can buy it if you are infected with AIDS. Most domestic medical insurance currently has exemption clauses for AIDS, only in the sense of product design, it is more groundbreaking, but it is still recommended to pay attention to check and understand, and the one that suits you is the best.

"Fosun United Care Medical Insurance" covers malignant tumors, and you can also buy it if you have AIDS. The CIRC can check the filing information of this insurance: Fosun United Health Insurance (2018) Medical Insurance No. 063.

Hello, the general insurance institutions will require you to test, AIDS antibodies, and the general can also be used, and it is necessary to strengthen the supplement of proteins such as chicken, duck, fish, meat and eggs, not to eat too greasy food, not to eat too spicy food, but also to supplement dietary fiber such as vegetables and fruits.

If you have been diagnosed with HIV infection before purchasing insurance, then you basically have no chance of insurance, and the insurance referred to here is critical illness insurance, medical insurance, life insurance, and some accident insurance can be bought.

After being infected with HIV, you basically can't buy most of the commercial insurance, especially medical, critical illness insurance, life insurance, etc., except for some financial insurance, accident insurance, you can see the exemption clauses of each insurance, there are very few medical insurance that can be bought for AIDS in China, for example: Fosun United and Yueben Life jointly developed the love medical insurance, which is used to protect cancer, there is no HIV exemption clause in the exemption clause, and other insurance has yet to be explored.

The scope of claims varies from insurance company to insurance company. Some insurance companies' critical illness insurance includes HIV, while others don't, depending on the specific content.

If AIDS is included in the scope of coverage, the first claim for AIDS should also depend on the interpretation of specific terms, and not all disease levels can be claimed.

Secondly, if AIDS is included, then it is generally a direct claim for AIDS, and whether the contract will continue after the claim is settled, and whether the claim can be made a second time depends on the corresponding terms of each insurance company.

Generally, there is no compensation, except for your HIV infection caused by occupation or blood transfusion, when buying insurance, read the plan or insurance contract There is an exclusion clause, as follows.

If you have already purchased it, it is recommended to surrender the policy and buy a medical insurance that is not exempt from liability, such as Fosun United Careful Love Medical Insurance.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

Car insurance, short-term accidents are OK. None of the others can be passed.

You can take out accident insurance, which is not very related to illness.

If you have other accidents after taking out insurance, it is estimated that you can be compensated.

You can't get any insurance, but maybe you can if they don't know it, but it seems that the insurance company doesn't cover AIDS, you can participate in the universal health insurance, and then apply for subsistence assistance, and it is best to consult with the CDC.

The suitability of an insurance product is inseparable from the age of the insured. 62616964757a686964616fe78988e69d83313334336238370-30 years old is 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 according to different ages, different income and expenditures, and different family statuses to "prescribe the right medicine", I have made an idea to share with you, based on the insurance strategy, clearly know how to buy insurance for the family:

For people aged 0-20, critical illness insurance, medical insurance and accident insurance are necessary

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, and it is for this reason that it is usually recommended that this part of the small partner configure a medical insurance, which can be used for reimbursement and compensation of 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.

For young people between the ages of 20 and 30, it is recommended to choose critical illness insurance, accident insurance and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is the stage of family pillar inheritance, at this time the body is young, the spirit is good, and gradually learn to face the pressure of life, but accidents and risks have always existed, 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 only a few dozen, you can consider it, in line with this age group friends can see the previous answer of the senior sisterA trick to teach you to buy a cost-effective business insurance for your 20s

You can take a look at this article.

For those under the age of 50, it is recommended to take out critical illness insurance, life insurance, accident insurance and medical insurance

What kind of insurance do young people in their 30s need? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

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

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

I think what kind of insurance do AIDS patients buy?

I'm afraid that the insurance company will not cover it, because the risk is relatively high.

Hello, people living with HIV can only buy accident insurance and annuity insurance from insurance companies, and cannot buy medical insurance, cancer prevention insurance, critical illness insurance and life insurance, because people living with HIV do not meet the health notices of medical insurance, cancer prevention insurance, critical illness insurance and life insurance.

At present, if people living with HIV want to buy accident insurance and annuity insurance from insurance companies, they can directly follow the following process:

2. Choose the accident insurance and annuity insurance you need to purchase;

3. Enter the information of the policyholder, the insured and the beneficiary;

4. Pay the premium.

Finally, I would like to remind you that in addition to accident insurance and annuity insurance, medical insurance, cancer insurance, critical illness insurance and life insurance all require health notice, and in their health notices, it is clear whether the insured is infected with HIV, and if so, the insurance will be denied.

1. The possibility of life insurance and health insurance for people with HIV/AIDS and HIV carriers is very, very low. According to the Insurance Law, the policyholder has the obligation to inform the insurance company truthfully. However, if the AIDS patient truthfully informs the insurance company of his or her illness when applying for insurance, the insurance company generally chooses to refuse the insurance.

If you don't tell the truth, you will be suspected of insurance fraud when the time comes.

2. In the accident insurance part, some people think that AIDS can be insured normally, and the disease has little to do with accidents, but there are also those who believe that there is a certain relationship, and there is no conclusive conclusion.

3. For wealth management insurance, it is still necessary to comply with the obligation of truthful notification and wait for the underwriting notice of the insurance company.

Case situation: I am 27, married, no social security, self-employed, no debt, and want to pay 3000-5000 medical insurance per year. Want to know if people with AIDS can still buy medical insurance?

Expert advice: If it has been diagnosed, then the commercial insurance will not be covered, if there is no insurance at the time of insurance, but later AIDS caused by blood transfusion can be claimed. But not all insurance companies pay the bill.

In commercial insurance, AIDS is exempted from liability, but you can choose the rural insurance of social security or the medical insurance for urban residents. If you want to use 3000-5000 to buy medical insurance, it is recommended to use Ping An's medical care, which can reimburse non-social security drugs.

You can buy social security for AIDS, and social security will take care of your hospitalization, and commercial insurance will forget it. Commercial business, that is, for-profit insurance, the incidence of AIDS is 20% higher than that of normal people, in this regard, the insurance company is too risky and will not pay, so the liability is exempted.

But social security.