Can I buy Ping An Insurance if my mental illness has been cured?

At the recent Asia-Pacific Psychiatric Summit, experts pointed out that at present, the global prevalence of depression is about 11, and more than 26 million people in China suffer from depression, and by 2020, in addition to ischemic heart disease, depression will become the second most common disease affecting life expectancy and increasing economic burden. So, as a mental illness, can depression be covered by insurance? Depression patients are treated differently when they are insured.

After consulting with a number of insurance companies in Shanghai, Jinsheng Life Insurance and other companies made it clear that the insurance risk of patients with depression is very high, which is one of the contents of the insurance company's refusal. AIA, Ping An and other insurance companies said that if a depressed patient wants to apply for life insurance, he must first truthfully inform the insurance company in the insurance form, and then provide the insurance company with a description of the patient's condition issued by a medical institution, and the underwriting department of the insurance company will determine whether to underwrite according to the insured's condition, whether to increase the rate, or take special underwriting, that is, it is stated that the personal ** caused by depression is an exclusion, and if the condition is serious, it may be directly denied. If the patient dies by suicide after two years, the claim is made.

Mao Mao has been depressed since last year's college entrance examination, self-sadness and depression, depression symptoms are becoming more and more serious, on June 6, taking advantage of the family's inattention, jumped from the 12th floor, died on the spot. She bought whole life insurance 5 years ago, and the staff of the insurance company pointed out that if the insured commits suicide within two years, it is excluded from the insurance company, and if it exceeds two years, the insurance company is responsible for compensation.

The patient's suicide attempt, the medical expenses were not claimed, and Mr. Lin, who lives in Hexi District, Tianjin, is a sales manager of a private company, although the monthly salary is quite large, but the market is unpredictable, and the competition among peers is fierce, so that he has been under huge work pressure and mental pressure. A year ago, he was confirmed to be suffering from mild depression, and his condition has been getting worse for a year. In March last year, he committed suicide by taking a bottle of sleeping pills at home, but fortunately his family found him in time and sent him to the hospital for rescue.

In 1998, Mr. Lin purchased a critical illness insurance from a company with additional hospitalization insurance. After more than 20 days of hospitalization, his family filed a claim with the insurance company for medical expenses. The staff of the insurance company noted

** caused by the insured's self-injury is the insurance company's exclusion and will not be claimed. The cost of depression** is medical insurance, and Ms. Sun, an elderly woman in Changning District, Shanghai, suffered from postpartum depression after giving birth to a child, and her family sent her to the psychiatric department of the hospital**, and after psychological counseling by a psychologist, Ms. Sun received medication for up to a year**. After consulting with the relevant personnel of the Social Security Bureau, the antidepressant drugs are covered by the medical insurance in the social security system, and part of the medical expenses can be reimbursed through the medical insurance in the social security system.

In commercial health insurance, some companies (such as Jinsheng Life Insurance, Ping An Life, etc.) clearly state in their policies that expenses caused by mental disorders are excluded; There are also some companies (such as China Life and CPIC) that do not explicitly state mental illness as an exclusion in their individual medical insurance, but they need to provide claim documents and submit them to the Claims Department for identification.

Yes, but you must tell us the truth.

Yes, but you have to tell us truthfully.

Yes, you can tell us truthfully.

Need to tell us the truth! It also depends on the age! How old is the insured?

When applying for insurance, you must tell the truth, otherwise it will be difficult to make a claim later.

Hello! It must be told truthfully.

Hello! Truthful notification must be made at the time of application.

The inspection and appraisal conclusion of an authoritative organization may be issued.

Hello! Be truthful when you apply for insurance.

Truthful notification must be made at the time of application.

Inform the truth and attach the inspection and appraisal.

Xueba talks about insurance, focusing on insurance product evaluation! How does Ping An Fu compare to other critical illness insurance policies currently on the market? The specific differences are in this comparison table"Comparison Table of 136 Popular Critical Illness Insurance in China".

Ping An Fu is a product of Ping An Insurance, which has certain brand protection advantages, as well as death, critical illness and other protections, which will definitely be useful if there is a demand for this protection. But this product is not perfect, there are many shortcomings, you want to know how the product is, to take a comprehensive look, I will introduce it in detail below:

Ping An Fu is a well-known critical illness insurance product that will be upgraded every year, and the latest version is Ping An Fu 20. When the new version was updated, I helped my friend research it, but I found that the upgraded version of Ping An Fu 20 doesn't seem to have changed much? If you want to know the specific situation, read this article to get a glimpse:

"The new version of Ping An Fu 20 is coming! This deficiency has not changed.

The upgrade of Ping An Fu 20 can be understood from the comparison with the old version

This ** clearly shows that compared with the old version, the protection of Ping An Fu 20 has basically not changed much, and what is better is to cancel the sales of long-term accident insurance.

But the shortcomings of not doing well are still not changed! The following shortcomings still exist:

1.Incomplete coverage:There is no moderate illness protection, and many products on the market now have moderate illness protection.

2.Low payout:The minor illness benefit can only pay 20% of the basic sum assured, which is not enough for the average.

3.Poor Cancer Benefit Setup:Ping An Fook 20 suffered from cancer for the first time, and only after 5 years could he get cancer protection again; If you suffer from a non-cancer critical illness for the first time, the contract will be terminated directly.

The excellent product is the first cancer and can be repaid after 3 years; If you suffer from a non-cancer critical illness for the first time, you will receive a cancer benefit after 1 year.

4.No waiver:The insured's exemption is not included in Ping An Fu 20, and it is necessary to add to it, and the additional addition will require an additional fee, but now a good critical illness insurance will include the insured's exemption from this protection.

Based on these contents, Ping An Fu 20 is not an excellent product, and if the economic level is not high, it is recommended to consider other critical illness insurance that is more affordable and more comprehensive.

In order to facilitate everyone's selection, I have fished out the good products in the vast sea of products, and we should refer to this information according to our actual situation, and then buy after careful comparison"Top 10 Cheap and Good Price Critical Illness Insurance Points in 2020! 》

There are two major risks in life, and there are six degrees of management, 45 kinds of serious diseases, 8 kinds of mild diseases, self-driving, long-term accidents, accidental medical treatment, hospitalization medical treatment, avoiding future risks, escorting the family, reflecting the care and responsibility for the family.

Ping An Fu The best protection at the same price, perfect, low premium and high protection, I also insured my parents Ping An Fu.

On the one hand, the types of critical illnesses set by Ping An Fu include common critical illnesses defined by industry associations and physician associations, such as malignant tumors, myocardial infarction, uremia, etc., and on the other hand, they also cover the types of critical illnesses that occur frequently in clinical practice, including critical illnesses such as vegetative state and AIDS caused by blood transfusion.

This is the most awesome product, from head to toe, the most complete product!!

Someone insured more than 3 million, if it is not good, why invest so much money. Stop using calculators to measure risk, it's your best gift to your family!

It is useful, so to speak, a full risk for life.

Peace and well-being is a guarantee of perfection.

Insurance is a necessity in life, and although it cannot change our lives, it can prevent our lives from being changed. Commercial insurance insures us today.

Hello, useful, everyone needs insurance,

Insurance is an umbrella