Can I get insurance if I have PCOS?

Hello, I have polycystic ovary syndrome.

It is also possible to insure.

When facing health notices with sick bodies, remember this eight-character principle: tell truthfully, don't ask or answer.

Sick insuranceToday, I will summarize for you how to successfully apply for insurance with illness.

If the insurance company does not mention it, there is no need to take the initiative to mention it. The issues involved must be truthful.

Nowadays, insurance products are becoming more and more abundant, a little ailment, there is really no need to take this risk to hide from the insurance company, if this product can not be insured, find another product with more relaxed health notice.

Here, I've sorted it outHealth Inform Loose Products, there's sure to be one for you:Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

Each insurance company's different products have different content and different levels of stringency in terms of health notification. For those with sick bodies, it is recommended to choose products with loose insurance conditions.

Polycystic ovary syndrome can be insured, and the specific underwriting content is as follows:A comprehensive examination excludes cardiovascular disease risk factors, and if there are no additional cardiovascular risk factors, the critical illness standard of life insurance; If there are additional cardiovascular risk factors, life insurance, critical illness may increase the premium, and the insurance may be denied in severe cases; Polycystic ovary syndrome (PCOS) is usually denied by medical insurance.

Polycystic ovary syndrome (PCOS) is a common female endocrine disorder in women of childbearing age between the ages of 20 and 40.

It is characterized by chronic anovulation or oligoovulation (disturbance or loss of ovulation) and hyperandrogenism (excess androgens in the body).

The main manifestations are irregular menstrual cycles, infertility, high androgens and obesity.

It is reported that 6 out of every 100 women in our country suffer from PCOS.

So can women with PCOS still be successfully insured?

How to buy insurance if there is an abnormality in the body, and how to quickly apply for insurance with illness?

The following three methods are summarized:

Health Notice: Choose a plan with a relaxed health notice;

Intelligent underwriting: Some products have intelligent underwriting function, which can immediately obtain underwriting conclusions;

Multiple insurance: Apply for multiple insurance companies at the same time and choose the product with the best underwriting conclusion.

If PCOS is detected, it is recommended to try the following products through product comparison:

Let's go straight to the conclusion:

Critical Illness Insurance:

Most critical illness insurance plans generally have these criteria for PCOS:

whether systolic and diastolic blood pressure exceed the standard; whether the ECG is abnormal; Whether the blood sugar is normal or not.

In terms of medical insurance:

The underwriting of medical insurance is relatively strict, and at present, the health notice of the universal e-life medical insurance is the most relaxed, and you can also apply for insurance normally. For details, please click to read "How about the universal universal medical insurance?" The gospel of non-standard? 》

Term Life Insurance: Huagui Barley 2020, Hengqin Optimus Prime Life 2020, and Sunshine i Baomai Full Score Pro health notices do not ask about polycystic ovary syndrome, and you can apply for insurance directly if you meet the health notice.

Because of its harm to women's bodies and the complexity of the insurance, many medical insurance policies are directly refused, but critical illness insurance requires that blood pressure is lower than 150 100, electrocardiogram is normal, and blood sugar can still be insured.

Polycystic ovaries**1, generally** patients should actively exercise, reduce the intake of high-fat and high-sugar foods, and reduce body weight. This can promote a decrease in androgen levels, which is beneficial for the recovery of ovulation. 2. Drugs**Drugs** can counteract the effect of androgens and promote ovulation of the ovaries.

The drugs used are mainly oral contraceptives, which can also regulate the menstrual cycle. Generally, it is taken for about 3-6 months, and the drug can be stopped after the hormone sopine test is normal. 3. Laparoscopic surgery**If the above two methods are not effective, laparoscopic surgery needs to be considered**.

Under laparoscopy, the follicle is surgically punctured to reduce the level of androgens, so as to achieve the best purpose.

According to the regulations, medical insurance and publicly-funded medical care do not reimburse polycystic drugs, and I don't know what will happen to your unit.

If the condition of polycystic ovary patients is not serious, you can consider purchasing critical illness insurance, medical insurance and accident insurance such as Tan products, if the condition of polycystic ovary patients is serious, many health insurance may not be available, but accident insurance, life insurance and other products still have opportunities.

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

Generally speaking, if polycystic ovary patients have received a comprehensive examination, there is no major abnormality in the body, and there are no cardiovascular and cerebrovascular risk factors (such as obesity, high blood pressure, high blood lipids, high blood sugar, etc.), the success rate of buying insurance is still very high.

If the polycystic ovary patient has not passed the health notice, there is no need to be too anxious, in this case, we can underwrite, as long as the underwriting is passed, the insured can still continue to buy insurance.

When underwriting, we try to choose the intelligent underwriting method, which is fast, convenient, time-saving and labor-saving, and will not leave a record of rejection even if it is denied.

What is the difference between smart underwriting and manual underwriting? This article will take you to understand the correct posture for insurance!

How to buy insurance for different age groups? Everyone should have their own plan.

Whether polycystic ovaries insurance will be denied depends on what kind of insurance you are insuring

If it is a medical insurance, it will generally be denied insurance without a health notice from Kuansen Zhongfa;

If it is critical illness insurance, taking a Chun Mo critical illness insurance as an example, if the polycystic ovaries have been ** for more than six months and there are no other abnormal conditions, it can be covered as standard; If the polycystic ovaries have been ** for more than six months, but there are abnormalities, such as high blood pressure, abnormal electrocardiogram (ST segment or T wave abnormality), elevated fasting blood glucose, impaired glucose tolerance, and Shenshan diabetes, the insurance will be denied; If the polycystic ovaries are not **, or ** less than six months old, they will be denied;

In the case of accident insurance, most of them do not have health notices, or health notices are relatively relaxed, so even if the insured suffers from polycystic ovaries, they can still be insured.