If you have high blood lipids, you can t buy insurance, can you buy insurance if you have high blood

Insurance is not a product that can be bought at any time when you have money in the store. Many insurance companies have a "blacklist" when underwriting or making claims, and buy insurance as early as possible when they are young and healthy, so as not to be unable to buy it after they are "on the list".

The first and fifth types of people who can't buy insurance can't buy critical illness insurance.

1. People who are already seriously ill can't buy it;

2. Can't buy it over age;

3. If the physical indicators exceed the standard, you will have to buy it at an additional cost;

4. Pregnant women cannot buy it after 7 months to 1 month after the baby is born;

5. There is a quota limit for full-time wives, and if you don't have money, you can buy as much as you want like buying luxury goods.

Why cherish the opportunity to buy insurance, because many times, you can't buy it when you want to, but when you don't want to buy it, it's the most cost-effective time. Many people miss out on the opportunity to buy insurance because they have a deep misunderstanding and prejudice about insurance. Regarding insurance, I don't know about it at the age of 20, I can't take care of it at the age of 30, I look down on it at the age of 40, it is difficult to buy it at the age of 50, and I can't buy it at the age of 60....

People who can't buy insurance.

Second, it is not because of illness that the insurance is denied.

The top 10 reasons for the increase by insurance companies are hepatitis B, overweight, high blood lipids, abnormal liver function, high blood pressure, hematuria, high blood sugar, kidney stones, breast tumors, and gastric diseases (gastritis, gastric ulcers), of which hepatitis B, overweight, high blood lipids, and abnormal liver function account for more than 80% of the top 4, and hepatitis B accounts for more than 30%. The top 10 "rankings" of reasons for refusal are generally the same as the fee increase, but the degree is different. These reasons may come as a surprise to the average consumer, who asks, what is overweight?

The doctor probably just said that you should pay attention when you go back, control your diet and exercise more.

People who can't buy insurance.

3. Those with a history of medical history buy insurance, which is very suspenseful.

According to the provisions of the Insurance Law of the People's Republic of China, the signed policy is also invalid if the past medical history is deliberately concealed. Those with a pre-existing medical condition who have concealed their past medical history when buying insurance are likely to lose their eligibility to buy insurance.

Hepatitis B, hyperlipidemia, hypertension, hematuria, overweight, ......Many seemingly ordinary small problems may make many people ineligible for insurance. These are just minor problems, and there are many people who have already suffered from various chronic diseases, and these people are even more ineligible for insurance.

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The intelligent underwriting of hyperlipidemia mainly focuses on the two values of total cholesterol and triglycerides.

At present, the more stringent products require total cholesterol 6mmol l and triglycerides 2mmol l; And the looser product, you can put total cholesterol and triglycerides.

Critical illness insurance: total cholesterol is not higher than or triglycerides are not exceeded, and Super Mario Ultimate, Darwin Transcendent, Kanghuibao Ultimate, etc. can be covered by the standard.

Medical insurance: No history of hypertension, diabetes, coronary heart disease, stroke and obesity, total cholesterol and triglycerides, Ping An e-Life Insurance (guaranteed renewal version) can be underwritten.

Term Life Insurance: Optimus Prime No. 3 and Huagui Barley, which are not diagnosed with diabetes and hypertension and have the opportunity to be covered by the standard.

Generally speaking, as long as the hyperlipidemia is not severe, you can buy insurance.

Remember these 5 steps to get you sick and get out of the insurance smoothly!

There is no insurance standard for hyperlipidemia in the insurance industry, so the standards are different for different companies and different types of insurance.

Broadly speaking, the average criteria are:Total cholesterol , triglycerides 4 mmol l

1. Medical insurance

The most demanding, hyperlipidemia accompanied by obesity, high blood pressure and other diseases directly refused insurance.

2. Life insurance

Life insurance requires high blood lipids to be within the standard and have no other complications, such as high blood pressure, diabetes, etc.

3. Critical illness insurance

As long as it is within the average standard, critical illness insurance can be covered at the standard level.

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

4. Accident insurance

Accident insuranceThere is no health notice, even if the hyperlipidemia exceeds the standard, it is covered.

Select Smart Underwriting

People with high blood lipids should choose products with intelligent underwriting, because the underwriting is anonymous, the rejection will not leave traces, and it will not affect the insurance of other products.

Pick a product that is loose with a health notice

Health notifications vary for different products. For example, the health notice of the two critical illness insurances, Comvibo and Super Mario, is more relaxed, while the health notice of the health insurance is stricter.

If you have high blood lipids, you don't have to worry, you can apply for insurance through health notice. If you want to pass health notification, you need to use the right method, and there are many insurance tips in this article to understand.

What are the tips for health notification when applying for insurance?

There are many indicators of hyperlipidemia, such as cholesterol, triglycerides, high low-density lipoprotein, etc., one of which exceeds the upper limit, that is, hyperlipidemia Generally speaking, underwriting mainly depends on the two indicators of total cholesterol and triglycerides. As long as these two indicators are passed, high blood lipids can still be purchased.

What insurance can be purchased for high blood lipids, this exclusive insurance strategy for the three highs will give you the "Insurance Strategy for the Three Highs!" That's the way to buy! 》

Hyperlipidemia refers to high blood lipid levels, which can cause cerebral hemorrhage, arteriosclerosis, pancreatitis and other diseases that directly harm the human body.

The main components of blood lipids are triglycerides and cholesterol, so when the insurance company underwrites, it is mainly the value of these two items.

Intelligent underwriting of high blood lipids in various products:

Critical illness insurance: Critical illness insurance for high-fat patients mainly depends on two indicators: total cholesterol and triglycerides. Many mainstream critical illness insurance products require that the former cannot be exceeded, or the latter cannot be exceeded.

Some products not only look at the above two indicators, but also require that there is no abnormal liver function.

Life insurance: Term life insurance products with relatively relaxed health notices are similar to hyperglycemia for patients with hyperlipidemia, and require that the insured has not been diagnosed with diabetes or hypertension.

Medical insurance: The health notice is stricter, such as Ping An e-life insurance, which requires that there is no obesity, hypertension, diabetes or other cardiovascular and cerebrovascular diseases, and that the relevant index meets the requirements to be underwritten; Even if Fosun Joy has no other diseases, is ** and has a normal blood lipid test within half a year, it can only be excluded from coverage.

Accident insurance: There is no inquiry about health notice, and you can apply for insurance normally.

Patients with hyperlipidemia want to be insured normally, mainly depending on the value of total cholesterol and triglycerides. If you meet the requirements, there are still many products to choose from.

Many young people think that most of the "three highs" happen to the elderly, and they basically have nothing to do, so they shouldn't take it seriously.

However, with the development of modern society, people's unhealthy habits such as high life pressure, lack of sleep, irregular work and rest, and overeating can easily lead to the "three highs". The "three highs" are also showing a trend of younger people.

From a medical point of view, the "three highs" belong to cardiovascular diseases, which can cause minor physical problems and abnormalities to endanger life, and the morbidity and mortality rate are much higher than cancer.

Because of this, insurance companies are more cautious about the insurance of the "three highs" group.

Diseases such as hyperlipidemia are also common and are no longer exclusive to the elderly, and risk factors such as unhealthy lifestyles such as excessive smoking, unhealthy diet and obesity, physical inactivity and harmful use of alcohol make the disease more prevalent at a younger age. Not only do we need protection, but more importantly, we need to maintain a healthy lifestyle to reduce the risk of cardiovascular disease through regular physical activity, avoiding smoking and secondhand smoke, and avoiding harmful alcohol consumption.

Generally speaking, as long as the hyperlipidemia is not severe, you can buy insurance. But this small problem will still have an impact on insurance after allStill, there are ways to help you get insured.

Remember these 5 steps to get you sick and get out of the insurance smoothly!

You can buy insurance for high blood lipids, but what kind of insurance can you buy?

In fact, there is no insurance standard for high blood lipids in the insurance industry, so different insurance companies, different types of insurance, and different products will be different.

Broadly speaking, the average criteria are:Total cholesterol , triglycerides 4 mmol l

First, let's take a look at how to buy insurance for high blood lipids

1.Select Smart UnderwritingPeople with high blood lipids should choose products with smart underwriting, because smart underwriting is anonymous, and the rejection will not leave traces and will not affect the insurance of other products.

2.Pick a product with a loose health message:Health notices vary from product to product.

For example, the health notices of Comhuibao and Super Mario 3 MAX are more relaxed, while the health insurance is more stringent.

2. What insurance can I buy for hyperlipidemia?

1.Medical insurance: The health notice of medical insurance is very strict, and if hyperlipidemia is accompanied by obesity (high BMI index), high blood pressure and other diseases, the insurance will be directly denied.

2.Critical illness insurance: As long as the high blood lipid standard is within the range specified in the health notice, critical illness insurance can be covered according to the standard.

If it is not within this standard, you can take a look at the critical illness insurance with loose health notices on the market:Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

3.Life Insurance:Life insurance requires hyperlipidemia to be within the standard and have no other complications, such as high blood pressure and diabetes.

4.Accident insuranceAccident insurance does not have a health notice and can be covered even if the high blood lipids exceed the standard.

Third, here we focus on the other two types of insurance

1.Cancer insurance

As a simplified version of critical illness insurance, cancer insurance is also a benefit-type insurance. As long as the cancer is confirmed, the insurance company will pay for it, which can provide the patient with financial support for physiotherapy and post-recovery.

While we still recommend the first choice of critical illness insurance, it should also be considered on a case-by-case basis. Since it is difficult to get protection through critical illness insurance, I recommend taking a second step and choosing cancer insurance!

As a simplified version of critical illness insurance, cancer insurance has several benefits:

First of all, the protection of the age is wideMany cancer insurance plans can continue to be insured in their 70s.

Secondly, the health notice is relatively relaxed, even if you have three highs and diabetes, you can generally apply for insurance normally.

Finally, it is cheaperGenerally, one or two thousand a year can get an insurance amount of 100,000 yuan.

2.Cancer medical insurance

Cancer medical insurance can be regarded as a low-profile version of million-dollar medical insuranceThis type of insurance is also highly leveraged, but with higher renewal restrictions, it only pays for hospitalization** or special outpatient clinics caused by cancer, and after the cancer is claimed, it generally cannot be renewed in the following year.

Therefore, if you can't insure millions of medical care for high blood lipids, high blood pressure, high blood sugar, etc., you need to take out cancer prevention medical insurance with low health requirements to pass on the economic risk of cancer for the elderly.

In short, there is no need to worry if you have high blood lipidsYou can apply for insurance through health notification.

Hyperlipidemia refers to the increase in the level of neutral fat in the blood plasma, which is a dyslipidemia, which is the main factor causing cardiovascular and cerebrovascular diseases, especially atherosclerosis.

And the main components in blood lipids are:TriglycerideswithCholesterolTherefore, insurance companies mainly look at the values of these two items when underwriting.

At present, there is no clear definition of hyperlipidemia in the world, and each insurance company has different restrictions on whether hyperlipidemia can be insured.

Medical insuranceThe restriction on hyperlipidemia is the strictest, and it is recommended to recommend Ping An e-Life Insurance (Guaranteed Renewal Version) and Zhonghui Puhui e-Life, Ping An eHealth Insurance (Guaranteed Renewal Version) has good renewal conditions and comprehensive protection, and if you meet the conditions, you can apply for insurance normally.

The three highs of Zhonghui Puhui e-life can be insured.

Critical illness insuranceAs long as the total cholesterol does not exceed and the triglycerides do not exceed, Hengqin Worry-Free Life 2020 and Xintai Super Mario MAX can be insured normally, while Fosun United 666 has different insurance plans for different situations, and you can choose according to your own needs.

Term life insuranceIt is relatively relaxed, Huagui Barley 2020, Hengqin Optimus Prime, and Sunshine i Mai Full Score Pro As long as they have not been diagnosed with hypertension, diabetes and other diseases, elevated blood lipids do not need to be informed about their health. Retairui and (upgraded version) have restrictions on other abnormalities in the body and have taken medications, as well as cholesterol and triglyceride values in the past six months.

Accident insuranceThere is no inquiry for health notice, and you can apply for insurance directly.

This needs to be analyzed specifically, ask me for details.

Generally speaking, the main components of blood lipids are triglycerides and cholesterol. Hyperlipidemia refers to high blood lipid levels, which can directly cause some serious diseases that endanger human health, such as atherosclerosis, coronary heart disease, pancreatitis, etc.

Medical insurance: Some products do not have clear requirements, but they may be denied coverage because they are abnormal medical examinations. Some products require that there are no obesity, angina, myocardial infarction, cerebral thrombosis and other symptoms, have taken lipid-lowering drugs, and blood lipids are normal within half a year, before they can be insured normally. .

Hyperlipidemia is one of the "three highs" that we often say, which refers to high blood lipid levels, which can cause cerebral hemorrhage, arteriosclerosis, pancreatitis and other diseases that directly harm the human body. (How to buy insurance if there are some minor problems in the body, click: Health Abnormal Underwriting Guide).

Different types of insurance have different requirements for hyperlipidemia:

Critical illness insurance: It mainly looks at two indicators: total cholesterol and triglycerides, and many mainstream critical illness insurance products require the former not to exceed or not to exceed. In addition, some products also require no abnormal liver function;

Medical insurance: The health notice is relatively strict, and there are few cases of standard underwriting, and most of them are excluded coverage;

Life insurance: Health notice is less stringent than critical illness insurance and medical insurance, and generally requires that the insured has not been diagnosed with hypertension;

Accident insurance: There is no inquiry about health notice, and you can apply for insurance normally.

Summary: As long as the value of total cholesterol and triglycerides is looked at for high blood lipids, there are still many products to choose if you meet the requirements.