I was hospitalized for diabetes. If I buy critical illness insurance again, will I be reimbursed for

After purchasing a critical illness insurance product, if you suffer from diabetes, whether to make a claim depends on the severity of your condition. For ordinary diabetes, critical illness insurance will not pay. If the diabetes worsens and develops into a serious illness or a mild illness, you can receive compensation if you meet the conditions for critical illness insurance.

For example, if diabetes causes coronary heart disease, myocardial infarction, blindness and other serious diseases, you can get compensation if you meet the criteria for claims.

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The normal claim process of critical illness insurance is as follows: the insured reports the case, submits the claim information to the insurance company, and the insurance company reviews the information and meets the compensation standards, and the compensation will be received within a few days. There are three main types of critical illness insurance payouts:

1. Compensation will be paid immediately upon diagnosis.

Malignant tumors, severe third-degree burns, and multiple limbs are indeed paid upon diagnosis.

2. Implement surgical compensation.

Major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, benign brain tumors, heart valve surgery, and aortic surgery are required to be covered by surgery.

3. Reach a certain state of compensation.

The remaining 17 of the 25 major illnesses require a certain status to be paid, such as blindness, deafness in both ears, severe brain damage, etc.

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There will be no reimbursement. First of all, if you apply for critical illness insurance for diabetes, you will definitely refuse to insure. In other words, if you conceal the true situation, the insurance company will not pay.

Secondly, diabetes medical insurance is also a certain refusal. The conclusion remains that there will be no reimbursement.

All in all, you're wasting your money in vain.

Is it because of diabetes that you can't buy insurance?

Of course not, such as cancer insurance, cancer medical insurance, accident insurance, annuity insurance, etc., can still be purchased.

Of course, you can buy insurance, but the cost is too high and the amount of insurance is low.

Health insurance, critical illness insurance can not be bought, claims are based on the first time, the first onset of claims, the purchase of accident insurance and participating insurance, the insurance company needs you to truthfully inform your health and occupation, like your case, you also have to provide medical records and diagnostic reports, the insurance company according to the specific situation to decide whether to underwrite.

Answer: Generally speaking, if the insurance company informs the insurance company of the health when buying insurance, it is reasonable to infer that you may not have truthfully informed you when purchasing critical illness insurance, so you may not be able to get a claim after the insurance.

1.Critical illness insurance.

Critical illness insurance refers to the act of paying insurance benefits according to the insurance contract after the insured suffers from a critical illness as agreed in the insurance contract, such as malignant tumors, cerebral hemorrhage, etc., and reaches the specified state.

During the insurance period, after the insured reaches the critical illness status agreed in the insurance terms, the insurer shall compensate according to the contract.

Regardless of whether or how much medical expenses are incurred, they are reimbursed by the insurance company in a fixed amount and are paid in advance.

There are two main uses for critical illness insurance to pay premiums.

First, it pays for the high medical expenses required for illness, disease state, and surgery** for the insured person.

Second, after the insured falls ill, make up for the economic losses and try to avoid the financial difficulties of the insured's family.

At present, the main critical illness insurance products in the market are divided into the following according to the protection period:

Whole Life Critical Illness Insurance: The coverage is relatively complete, generally including death benefit, but the rate is very high.

Term critical illness insurance: consumer-based insurance, which can be compensated after the coverage period reaches the agreed state.

2.Critical illness insurance denies illness.

Chronic diseases (such as three highs, hypertension, hyperglycemia, hypertension) diagnosed by a doctor will definitely be directly denied insurance. There are also confirmed cancer, liver insufficiency, liver cirrhosis, malformations, congenital diseases, cerebral infarction, cerebral hemorrhage, subarachnoid hemorrhage, arteriovenous thrombosis, aneurysm, etc., which will be directly rejected at the time of insurance, and there is no room for underwriting.

3.Health Notice.

The health notice is a survey of the health of the insured by the insurance company, and all insurance policies are mandatory. The insurance company will only allow you to buy it if you have passed the health notice, and different insurance companies have different requirements for health conditions and the content of the inquiry is also different.

If you have concealed something when filling in the health notice, and the circumstances are not serious, you can apply to the insurance company for supplementary underwriting.

If you conceal it too much, according to the provisions of the Insurance Law, the insurance company can refuse to settle the claim and terminate the insurance contract, or even not refund you a penny.

When buying insurance in mainland China, when filling in the health notice, you need to follow the "three answer principle": what to ask and what to answer; No questions or answers; Think about it before you answer.

Hello, did you tell the truth according to the health notice before buying insurance, if you do, you will be fine. If you don't make a supplementary notification, it is best to avoid being denied the claim if you are not truthfully informed in the later stage.

If you have high blood sugar and tell us, the insurance company should refuse to insure, and you should not have chosen to tell you. Since you are insured, rest assured, don't go to the hospital to get cardiovascular and cerebrovascular and diabetes medicine in the past two years. If you have been hospitalized in a hospital above level II for 16 years, it is not possible to do so, and it will be better if you are below level 2.

You only bought it in 19 years, and if you haven't used your health insurance card to take diabetes medicine in the past three years, it's fine. If you take it, you should not be compensated for diabetes-related critical illnesses, and you should be insured for other diseases except diabetes. This is reassuring.

Please make additional information to avoid unnecessary trouble.

Hello this friend, diabetic patients can buy critical illness insurance, dad just saw a critical illness insurance for diabetic patients here, I hope it will help you:

Sugar Insurance Critical Illness Insurance is a critical illness insurance product launched by Ping An Life designed for diabetics, and can also be insured for diabetics. In addition to critical illness and mild illness protection, Sugar Insurance can also add diabetes complicated with specific critical illness benefits to increase the protection strength. So, what about the specific coverage of Ping An Life's sugar insurance?

Insufficient protection against diabetes?

The insurance liability of Ping An Sugar Insurance is relatively simple, 100 kinds of critical illnesses will be paid 1 time 100% of the sum insured, 50 kinds of minor diseases will be paid 3 times without grouping 20% of the sum insured, and the death benefit will be paid out of the sum insured.

So what are the characteristics of Ping An Sugar Insurance?

1. Exclusive health management services for diabetic patients.

Health assessment: including diabetes AI risk assessment, file management, and recommendations;

Life management: including dietary guidance, exercise guidance, and sugar control experience sharing and exchange;

Medical services: **Advice, blood glucose monitoring, etc.

It is worth mentioning that this service is only covered for 3 years! These services can help you improve your health and reduce the risk of diabetes complications.

2. Diabetes complicated by specific critical illness insurance.

5 types of diabetes specific critical illness, 1 claim, 100% of the sum insured each claim, let's take a look at the specific diseases:

The above 5 special diseases are all complications of diabetes, and the protection responsibility of sugar insurance is like general medical insurance, which can be guaranteed to be renewed for 5 years if bought once a year, and can be renewed up to 64 years old.

And it is guaranteed to be renewed for 5 years, and the renewal after 5 years may need to be reviewed, if the insured does not meet the renewal conditions after 5 years, then it can not be bought again.

So what about the premium** for this additional liability:

Suppose 30-year-old Mr. A applies for 500,000 yuan of sugar insurance and pays for 25 years, paying 12,050 yuan per year, and if he chooses to add 300,000 yuan of diabetes insurance, he needs to pay an additional 540 yuan per year.

In general, Ping An's diabetes-exclusive critical illness insurance premium** is still quite expensive, but for diabetic patients, if you can't buy critical illness insurance due to health notice, or feel that sugar insurance is too expensive, you can choose other products, and then Daddy will tell you how to apply for critical illness insurance: "The correct posture of critical illness insurance, Daddy will teach you a few tricks!" 》

How should diabetics or their family members buy insurance if they want better protection? Daddy is here to tell you!

How do I get insurance if I already have diabetes?

Critical illness insurance has strict health notices for diabetes, and Ping An Sugar Insurance and Centennial Sugar Insurance are exclusive to diabetics.

Yu Daddy Bao.

Straight to the conclusion:

If you want to be more comprehensive:Ping An Sugar Insurance has more protection for critical illness, and it has mild disease protection, which is more friendly to diabetics.

If you are sensitive to **:The premium rate of 100 years of sugar discount is relatively low.

From the rate of view, it can be seen that the rate of these two types of critical illness insurance is not low, and the protection content is relatively thin compared with ordinary critical illness insurance, and in fact, the cost performance is not very high. This type of critical illness insurance and insurance that covers the complications caused by diabetes has a short coverage period, low sum insured, and few types to choose from, so we do not recommend purchasing such products.

For diabetics, if you want to get better protection for critical illnesses, medical insurance is a must, in addition, you can also match yourself with a tax-advantaged health insurance.

Tax-advantaged health insurance is a policy product specially provided for taxpayers, the biggest advantage is that you can take sick insurance, there is no waiting period, it is actually a one-year medical consumption insurance + universal insurance.

In China, as long as the non-retired person who has reached the age of 16 can provide a tax certificate for more than 1 year, he can apply for insurance. The annual fixed payment is 2,400 yuan, and the rest of the money is deposited into a personal account except for part of the payment for medical insurance.

"Comparison Table of 136 Popular Critical Illness Insurance Products in China".

If you have diabetes, you can buy critical illness insurance, but it is very limited, mainly some accident insurance, cancer prevention insurance and tax-advantaged medical insurance with very relaxed insurance conditions. Diabetes is an essential part of the health notice of critical illness insurance, and once diagnosed, it is impossible for insurance companies to underwrite common medical insurance, critical illness insurance, and life insurance, and usually refuse to underwrite it.

Critical illness insurance is necessary. Due to environmental pollution and food safety problems, the probability of human suffering from diseases is also increasing, and the medical expenses required for serious diseases are also quite expensive, which not every family can afford. If you buy a critical illness insurance for yourself or your family, you can get a sum of insurance money if you make a claim in accordance with the contract in the event of a critical illness, which can also relieve the urgent need and reduce the burden on the family.

Therefore, it is still necessary to buy critical illness insurance.

If you have suffered from a critical illness before buying the insurance, you have informed the insurance company in advance that the insurance company has underwritten it, and it can be reimbursed, but if you have not informed it in advance, you cannot be reimbursed.

In accordance with Article 16 of the Insurance Law of the People's Republic of China, if an insurance contract is concluded and the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured, the policyholder shall truthfully inform the policyholder. If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

The right to terminate the contract provided for in the preceding paragraph shall not be extinguished for more than 30 days from the date on which the insurer becomes aware of the reason for termination. If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium. If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

If the insurer is aware of the failure of the policyholder to truthfully inform the insurer at the time of conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money. An insured accident refers to an accident within the scope of insurance liability as agreed in the insurance contract.

Considering the high risk of complications, insurance companies are very strict about the review of diabetes. Whether you can purchase critical illness insurance for diabetes depends on the following:

Scenario 1: Diabetes mellitus has been diagnosed.

Diabetes can lead to a range of major illnesses and mild illnesses, so if you have been diagnosed, critical illness insurance and medical insurance will basically deny coverage. If the blood sugar is well controlled and there are no complications, some insurance companies may give a premium to underwrite life insurance, but the increase is generally very large and may not be acceptable to customers.

For such customers, a better option may be cancer insurance and cancer medical insurance. Because diabetes and cancer are generally not directly related, there are no restrictions on the insurance of diabetic patients on the market.

Situation 2: Prediabetes.

If the information provided by the applicant shows that the blood sugar is elevated, but the diagnostic criteria for diabetes are not met, the underwriter will generally arrange a follow-up examination: fasting blood glucose, glycosylated hemoglobin. If fasting blood glucose and glycosylated hemoglobin are abnormal, it can be checked as diabetes.

If only fasting blood glucose is abnormal, it is considered prediabetes (impaired fasting blood glucose).

For pre-diabetes only, no risk factors, no organ damage and complications, life insurance and critical illness insurance may be covered at an additional cost. For those with risk factors, increase the rate of increase or even refuse insurance. For those with organ damage or complications, insurance will generally be denied.

Situation 3: Gestational diabetes.

Since most pregnant women will have normal blood sugar after giving birth, in the spirit of fairness to the customer, the underwriter is likely to directly conclude that the coverage is deferred

Enrollment during pregnancy: Extension of observation until 3 months after delivery;

Postpartum insurance: Generally, you should wait until 3 months after giving birth to receive insurance.

For applicants whose blood sugar returns to normal after childbirth, it can generally be covered on a standard basis.

It can be seen that it is very troublesome to have diabetes and want to take out insurance. Therefore, it is necessary to apply for insurance when you are in good health, at this time, not only the premium is cheap, but the insurance procedure is also simple, which can save a lot of unnecessary trouble.

If you still don't know, you can consult Mint Bao, Mint Bao has gathered active front-line sales in the industry through the self-developed intelligent Q&A robot "Underwriting Check", and combined with the platform's own training system and consultant dynamic evaluation system "Mint Score", in the actual sales scenario of docking real C-end customers, continuously optimize and improve the professional service capabilities of platform consultants.