What insurance can I buy for congenital heart disease

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.

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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.

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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.

Congenital heart disease.

Commercial insurance generally does not reimburse. Critical illness insurance for congenital heart disease.

Medical insurance cannot be reimbursed, even if it is found out after buying, it is within the scope of exemption, and the insurance company will not pay compensation. At present, the health notice clause of critical illness insurance launched by major insurance companies in the market or in the deductible situation will clearly state: "The insured has a hereditary disease.

congenital malformations, deformities or chromosomal abnormalities", the insurance company shall not be liable for compensation. If the policyholder knows that the insured has congenital heart disease, it is best not to apply for insurance to avoid disputes.

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If you have a major illness, you can't buy it, or if you buy it, the company can refuse to pay for complications caused by this disease. I used to show my dad the kind of insurance that pays after he dies, and it's not bad.

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.