Can I re apply for critical illness insurance after making a critical illness claim?

No, to be precise, all insurance companies will refuse to insure.

Because there are several questions in the insurance application form that must be truthfully informed, such as, 1, whether you have been hospitalized, treated, and examined for health problems in the past 3 to 5 years (including admission to nursing homes, ** hospitals and other medical institutions)?

2. Do you have or have you had any of the following symptoms, diseases or surgeries in the past? (Because there are too many, there are hundreds, so I won't explain them here).

3. Do you have or are applying for life insurance other than our company? If so, please specify the type of coverage, the amount insured, the insurer and the date.

4. Have you been denied, deferred, attached to conditions or additional charges when you apply for life insurance products of other insurance companies, and have you made or received a claim?

These questions must be told truthfully, so people with a history of critical illness will be denied insurance, and if they do not inform the above problems, they will be held legally responsible once they are found out, and the premium may not be refunded.

Yes, you can insure. However, no company will underwrite it, and even if it does, it will exclude and increase the cost of the previous critical illness and its complications.

No, it's already a group of people who have been given up by insurance companies.

Hospitals are now networked.

If you want to take out insurance, change the insurance company, maybe it won't be known.

See what's going on.

If the reinsurance is not the same critical illness, can I make a claim?

If you had a business now, knowing that it was a loss, would you do it???

First of all, critical illness insurance.

If you have made a claim, you can only buy life insurance, but accident insurance.

Optional. And buy health insurance (medical insurance.

Cancer prevention insurance, critical illness insurance) is extremely low, and the insurance is basically denied. Unless there are some less serious diseases.

However, there are also individual special circumstances that may still have a chance?

1. For example, you have purchased a product with multiple claims for critical illness before.

That is, after getting a critical illness, the policy will continue to take effect after the first claim is obtained, and the later premiums will not have to be paid.

2. Third ......Serious illness or complications.

Serious illnesses can still be covered.

If the critical illness is not repeated or not in the same group each time, there is a time interval between each critical illness, which is generally required to be 180 days or 1 year later.

2. At present, there are some specific critical illnesses in the market for patients with relatively mild critical illnesses or good postoperative recovery, and some specific diseases can still be covered separately in the later stage.

Depending on the specific situation, when the insurance company has already had a pre-existing condition, it is usually necessary to inform the insurance company, which is divided into several specific situations: the insurance company has been informed of the past medical history, and the insurance company has committed to the standard underwriting agency. If the illness occurs, it can be compensated.

Failure to inform the insurance company: In the case of medical insurance, there is an exclusion clause, in other words, the previous condition will not be covered, which is specified in the terms of each medical insurance policy. Therefore, in order to prevent a lot of troubles caused by disputes in the future, it is best to do a good job of health notification of pre-existing conditions.

Critical illness insurance refers to the commercial insurance behavior in which the insurance company promises to pay the insurance money in accordance with the insurance contract when the risk of the insured suffers from a specified critical illness such as malignant cancer, myocardial infarction, cerebral hemorrhage, etc., to the critical illness status specified in the insurance clause. In order to facilitate consumers to compare and choose critical illness insurance products, protect the rights and interests of consumers, integrate the development of critical illness insurance in China and the progress of modern medicine, and refer to international experience, the Insurance Association of China and the Chinese Medical Doctor Association jointly formulated the disease definition of critical illness insurance (hereinafter referred to as the "disease definition"). Based on the origin, development and characteristics of critical illness insurance, the term "illness" in this Law refers to the illness, illness status or surgery promised in the critical illness insurance contract.

The definition of illness in this law is formulated on the basis of reference to the development of critical illness insurance for adults at home and abroad, and on the basis of the development of modern medicine, therefore, this specification is applicable to critical illness insurance in which the insurance period is mainly for adults (over 18 years old).

Hello, whether you can pay for life insurance after a critical illness depends on the specific fixation of the insurance contract. Under normal circumstances, if the user is insured with a combination of life insurance and critical illness insurance, and the critical illness insurance amount and life insurance amount are shared, then after the critical illness insurance is paid, the insured amount of the life insurance claim will also be reduced, and if the amount of the two is the same, then after the critical illness insurance claim, the insurance amount will be gone, and the policy will naturally be invalidated, and the life insurance cannot be paid at this time. If critical illness insurance and life insurance are two policies, they usually do not affect each other.

Friends who have purchased critical illness insurance should know that the cost of critical illness insurance for a year is not low at all. What if I don't have a lot of budget and want to apply for critical illness protection?

Then consumer-based critical illness insurance is really worth configuring.

Compared with other critical illness insurance, consumption-based critical illness insurance is slightly better in terms of **, and it is very suitable for families with insufficient budgets.

However, buying critical illness insurance is not an easy thing to do, and it is necessary to understand these basic common senses before starting:

What Illnesses Does Critical Illness Insurance Cover? If you don't know these, don't buy them randomly! 》

1. How to buy consumer-based critical illness insurance?

Consumer-based critical illness insurance is characterized by a focus on protection, and it can also be understood as being protected with less capital and meeting the needs of the public.

If you want to start a satisfactory consumer-based critical illness insurance, the senior sister thinks that it is enough to follow these three rules: comprehensive illness protection, sufficient critical illness insurance, and easy underwriting with illness.

1. Comprehensive disease protection

A critical illness insurance that meets the standards, and basic protection such as mild, moderate, and critical illness must be at least necessary. Among them, it is best to have excellent conditions for critical illness claims and a wide range of high-incidence mild and moderate diseases.

Because only when we are adequately protected, we do not spend money in vain.

There are many products on the market that are not only very high, but also the basic protection is not very comprehensive.

2. Adequate protection for critical illness

At present, some of the best-selling critical illness insurance products on the market have multiple claims for critical illness or additional claims for specific age groups. From the insured person's point of view, such a product is very much in consideration for them.

When it comes to the best additional benefit protection, we have to mention Versailles Plus Critical Illness Insurance.

Versailles Plus Critical Illness Insurance is equipped with 80% of the frontal out-of-finger compensation if diagnosed for the first time before the age of 60, and when the first diagnosis of a critical illness at the age of 60-64 is made, you can get an additional 30% of the basic sum assured, and the insured has more chances to be compensated.

"Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying! 》

3. It is easy to underwrite with illness

Easy to underwrite with illness refers to critical illness insurance products with a wide range of underwriting conditions.

We all know that if there is some minor physical problem, it is not easy to buy health insurance, after all, the health notice of the insurance company is not "vegetarian".

There are many people who miss the opportunity for their favorite products because their index is unqualified, or because they have made a mistake when filling in.

For example, if you want to successfully pass the health notification, it is necessary to master some skills:

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

On the whole, there are many things to pay attention to when buying critical illness insurance, and you must pay attention to the above mentioned content before applying for insurance.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice based on Keeling's years of experience in configuring insurance for 10w+ families.