Can I buy insurance for congenital heart disease? Can I have more than one child critical illness in

Congenital heart disease can not buy medical insurance but can buy critical illness insurance, but to reduce a certain amount of insurance costs, before paying social security is to have a health examination, the insurance cost to increase to how much is determined by the insurance company, congenital heart disease includes the following types:

1. Aortic stenosis: there is a system hole in the distance between the left and right atrium;

2. Ventricular septal defect: there is a system vulnerability in the distance between the left and right ventricles;

3. Patent ductus arteriosus: normal closure begins 15 hours after birth;

4. Tetralogy of Fallot: ventricular septal defect, pulmonary artery stenosis, aortic override, and right ventricular hypertrophy at the same time.

There are several companies that can purchase critical illness insurance for children, after all, there is no limit to the payment of critical illness insurance. The precondition for the payment of critical illness insurance is that as long as you suffer from a critical illness as stipulated in the critical illness insurance agreement of the critical illness insurance, and a certain meaning is achieved or a certain type of surgery is performed**, then it meets the claim standard, and the insurance company must pay compensation. For example, if you buy 2 critical illness insurances, the first one is 200,000 yuan and the second one is 500,000 yuan, if you meet the claim standards of the two insurance companies, you can get 700,000 yuan in compensation.

Children's critical illness insurance is a critical illness insurance specially set up for minors, and the types of diseases guaranteed generally include diseases that children are prone to, so it is very important for parents to equip their sons with a children's critical illness insurance. In addition, children's critical illness insurance can be purchased in several insurance companies, and it is not easy to contradict when making claims.

However, compared with property insurance, life insurance can also purchase insurance from several insurance companies, and when making claims, it can also make certain claims in several insurance companies, and there will be no problem of proportional compensation.

The effect of critical illness insurance is usually that when the insured suffers from a critical illness specified in the policy, or dies due to illness, the insured or beneficiary can get the corresponding insurance cost from the insurance company, so as to alleviate the financial pressure of the insured family. However, the general insurance company requires that if the insured suffers from the illness required by the policy during the insurance period, the insurance company will pay the insured, and the insured may lose the compensation for death liability.

Congenital heart disease can be insured; Children's critical illness insurance can also be purchased in multiple plans, and there is no restriction on critical illness insurance.

If it is congenital heart disease, you can buy insurance; Yes, you can insure many homes, and there are no restrictions.

They can also buy insurance; It is possible to apply for multiple insurances, and critical illness insurance has no requirements for this aspect, as long as you need to apply for several at the same time.

Congenital heart disease.

Accident insurance is available.

In general, for congenital heart disease, life insurance and critical illness insurance are insured.

For those who have not undergone surgery and have undergone surgery within one year, the insurance company may consider the standard rate for coverage if the surgery is complete for more than five years. If you apply for medical insurance, the general congenital heart, no surgery, no surgery** or three years after surgery will not be covered by the general insurance company, and the insurance company will usually add additional exclusions in other cases. For severe congenital heart disease, the insurance company will generally refuse to cover life, critical illness or medical insurance.

In addition, if you have a congenital heart disease, you should first ** social security to protect against financial risks. After all, social security has the great advantage of unlimited renewal and sickness insurance, which is the welfare of every citizen.

Test your anti-risk index, experts will interpret it for you for free!

Regarding the question of what insurance can be bought for congenital heart disease, it is necessary to analyze the specific problems in combination with the actual condition of the patient, the specific type of insurance, as well as the health notification of the product and whether the underwriting is relaxed. Before the official introduction, the senior sister will first present a super practical strategy for insurance with illness: remember these 5 steps to make you successfully insured with illness!

First of all, most of the accident insurance and annuity insurance do not involve health notice, and most patients with congenital heart disease can be insured normally. For medical insurance and critical illness insurance, which are two types of insurance with relatively strict underwriting conditions, whether they can be insured depends on whether the product health notice and underwriting are relaxed and whether the specific condition is determined.

If the patient has serious heart disease, such as coronary heart disease, angina, etc., the possibility of successful insurance for critical illness insurance and million medical insurance is relatively small.

If the patient's condition is relatively mild, as long as you choose a product with a more relaxed health notice, you still have a chance to successfully apply for insurance. Take Tongfang Global's Versailles Plus Critical Illness Insurance as an example, if the type of congenital heart disease of the friends belongs to one of the four types of atrial septal defect, ventricular septal defect, patent ductus arteriosus, and patent foramen ovale, and has undergone surgery** for more than 2 years, or has healed on its own, and the current ultrasound and electrocardiogram are completely normal, it can be covered by the standard. For those who are interested in Versailles plus, you can read this article:

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

Finally, the senior sister reminds everyone that we must follow the principle of maximum integrity and tell the truth in the health notification process. Do not deliberately conceal it in order to successfully apply for insurance, so that there may be difficulties in claiming claims in the future. Senior sister is also here to give you a collection of health tips, you can refer to it:

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

Under normal circumstances, for the insurance of congenital heart disease, the insurance company will generally extend the coverage within one year of surgery, and the insurance company will consider the standard rate for coverage if the surgery is completely ** for more than five years. If you have medical insurance, the general congenital heart disease will not be covered by the general insurance company if it is not operated on, before the operation** or within three years after surgery, and the insurance company will usually add additional exclusions in other cases.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

Yes, but depending on the situation, medical insurance will generally be exempt. You still have to go through health notices, and if you don't know what health notices are, you can see here: "What is health notices?" How? Is smart underwriting lenient? 》

You can try to apply for insurance, and you need to tell the truth when you apply for insurance, and the insurance company will make decisions on underwriting, additional underwriting, exclusion of liability and refusal of insurance according to the actual situation of the insured.

All those within the scope of reimbursement stipulated by the state can be reimbursed.

In general, there are the following situations:

1.If the ** is notified before the insurance, the insurance company has the right to decide whether to underwrite;

2.If you are found to have a congenital disease after applying for the insurance, the insurance company can refuse to compensate;

3.If the insurance company does not inform the policyholder about the specific content of the liability exemption for congenital diseases during the underwriting process, and underwrites it, then the insurance company needs to make insurance compensation.

At present, critical illness insurance, as well as most medical insurance, are exempt from congenital and hereditary diseases, which means that the insurance will not pay for congenital diseases and hereditary diseases.

Claims for congenital conditions can be broadly divided into two types:

1. The policyholder does not know that he has a congenital disease before applying for insurance, so it is impossible to inform him when applying for insurance, but after applying for insurance, he is hospitalized due to congenital disease, and the insurance company will not pay for the medical expenses incurred.

2. The other situation is whether the medical treatment and death of the insured are caused by congenital diseases. If the insurance company does not pay for congenital diseases, it must list the specific names of the congenital diseases that are not covered in the terms of the health insurance contract to avoid the occurrence of claims disputes.

1. Medical insurance.

In the current situation, when purchasing medical insurance, you will basically encounter the exemption of congenital diseases and hereditary diseases. The vast majority of medical insurance excludes hereditary diseases, and only a few medical insurances do not exclude hereditary diseases, but congenital diseases are still exempt.

2. Critical illness insurance.

Various types of critical illness insurance are also exempted from liability for hereditary diseases and congenital diseases in the liability exemption part. However, although some diseases are hereditary diseases, they are still insured, so critical illness insurance is not a one-size-fits-all exclusion of all hereditary diseases.

3. How to deal with it.

Combine a comprehensive protection plan. Critical illness insurance, medical insurance, term life insurance, accident insurance, different insurance has different functions, in addition to the national medical insurance must have, because since 2010, China's first congenital heart disease, hemophilia, phenylketonuria, hypospadias, cleft lip and palate and other diseases of the cost into the new rural cooperative medical reimbursement category, the reimbursement ratio is getting higher and higher.

Hello, the lawyer is at your service.

Wait a minute.

It is difficult to underwrite congenital diseases by buying ordinary commercial medical insurance and critical illness insurance, and congenital diseases are exempt from liability in the terms of commercial health insurance. Huimin Insurance, tax preferential health insurance are all types of insurance that can be insured with illness, the former is not limited to age, occupation, or pre-existing disease history, and there are many Huimin Insurance on the market that can not only be insured with illness but also compensate for congenital diseases, such as Changsha Huimin Insurance, Ping An Buddha Medical Insurance, etc., and the threshold for tax preferential health insurance is higher than that of Huimin Insurance with illness.

Summary. Hello, congenital heart disease generally refers to congenital heart disease, whether it can be bought insurance, it depends on the specific condition and the health notice of the insurance, for example: if it is only a slight heart disease, such as heart valve regurgitation, generally only need to be reviewed regularly, will not have a great impact on normal life, so it usually does not affect the purchase of insurance.

Another example: if a child has congenital heart disease, then the coverage of critical illness insurance that requires health notification will generally be extended.

Hello, congenital heart disease generally refers to congenital heart disease, whether it can be bought insurance, it depends on the specific condition and the health notice of the insurance, for example: if it is only a slight heart disease, such as heart valve regurgitation, generally only need to be reviewed regularly, will not have a great impact on normal life, so it usually does not affect the purchase of insurance. Another example:

If the child has congenital heart disease, the coverage of critical illness insurance that requires health notification will generally be deferred.

All in all, when purchasing insurance for health notification, the insured can tell the truth, and the insurance company will give a reasonable underwriting conclusion.

The insurance company will also have relevant regulations, if you have congenital heart disease, you can't buy some insurance insurance, you can buy accident insurance.

Can't walk, congenital heart disease, what insurance can I buy? If you have congenital heart disease, you can buy critical illness insurance.

Dear customers, commercial insurance is exempt from liability, in which congenital diseases are not covered by insurance, so it may be troublesome to buy critical illness insurance in the case you mentioned, but accident insurance can be done, and it is recommended that you can go to social security for medical treatment.

Hello customers! If you have congenital heart disease, you must not buy serious illness insurance, but some companies' pension insurance and accident insurance can be handled, and at the same time, you should truthfully inform in the remarks column that the risk accidents that occur due to congenital heart disease are not compensated.

Hello, unfortunately, congenital heart is exempt from liability and cannot be purchased with commercial insurance. It is recommended that you improve the medical insurance for urban residents for your children.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Because there are many types of insurance related to congenital heart disease, you can also apply for life insurance and critical illness insurance, and the general insurance company will extend the coverage for non-surgery and surgery within one year, and the insurance company can consider allowing the standard rate to cover the operation for more than five years.

Accident insurance can be purchased.

Because there are many types of insurance related to congenital heart disease, you can also apply for life insurance and critical illness insurance, and the general insurance will be extended for non-surgery and surgery within one year.

If you apply for medical insurance for medical treatment, the general congenital, non-surgical, unoperated or non-surgical insurance company will not cover it within three years after surgery, and the insurance company will usually add additional exclusions in other cases, serious congenital heart disease, life insurance, critical illness insurance or medical insurance, the insurance company will generally refuse to insure. It is recommended that you find one or two more professional insurance companies for consultation.