What are the genetic diseases in insurance?

The definition of genetic disease in insurance refers to diseases caused by mutations or aberrations in the chromosomes and genes of the genetic material of germ cells or fertilized eggs, usually characterized by vertical transmission from parents to offspring. Hereditary disorders are congenital, lifelong, and familial. There are many types of hereditary diseases, involving various systems throughout the body, scattered in various clinical specialties.

At present, there is a lack of effective methods for most hereditary diseases. There are 3555 genetic diseases in which the clinical phenotype and the most advanced genes have been identified. Under critical illness insurance.

According to the terms, congenital malformations or chromosomal abnormalities and hereditary diseases are not eligible for compensation, such as neural tube defects and phenylketonuria.

Rabbit lip, albinism.

High myopia, hemophilia.

Wait. However, some insurance companies have a more humane product design, and if the insured suffers from a congenital or hereditary disease, but does not know it before applying for insurance, it is an insurance liability. Of course, if the insured person has symptoms or knows about his illness before the insurance is still insured, it will be regarded as a failure to inform the pre-existing condition before the insurance is applied and the claim will be denied.

Most critical illness insurance.

The product first includes a kind of critical illness that must be insured, and the rest is freely configured by the insurance company according to the definition of critical illness of the China Insurance Regulatory Commission. When applying for insurance, you must fulfill the obligation to tell the truth and clarify the terms so that you can provide yourself with good health protection.

Hereditary diseases are diseases caused by mutations or malformations in the genetic material (chromosomes and genes) of germ cells or fertilized eggs, usually characterized by vertical transmission from parent to offspring.

There are restrictions on purchasing medical insurance such as critical illness insurance and medical insurance with a hereditary medical history, and different insurance companies and different products have different requirements.

According to the terms of critical illness insurance, congenital malformations or chromosomal abnormalities, and hereditary diseases are generally not eligible for compensation, such as neural tube defects, phenylketonuria, cleft lips, albinism, high myopia, hemophilia, etc.

If you can successfully apply for insurance, some insurance companies may add a statement to the policy that the genetic disease and some other diseases caused by this disease will not be covered.

If the insured person has symptoms or knows about his illness before the insurance is enrolled, but does not tell the truth, it will be regarded as a failure to inform the pre-existing condition before the insurance is taken, resulting in a denial of the claim.

Most critical illness insurance products first include critical illness that must be insured, and the rest are freely configured by insurance companies according to the CIRC's definition of critical illness.

In early stage critical illness insurance, the insurance clause generally stipulates that "the insurance benefits for congenital diseases, congenital malformations, and hereditary diseases shall not be liable". However, with the development of the insurance industry, the probability of occurrence of congenital diseases and hereditary diseases has become measurable, and the product design of some insurance companies has become more humane.

To sum up, it can be seen that whether a claim for a hereditary disease can be made depends on the specific terms of the insurance purchased, so when we apply for insurance, in addition to truthfully informing us, we must have a clear understanding of the insurance terms to ensure that we can get the best protection.

Hello, common genetic diseases are: hypertension, diabetes, dyslipidemia, etc.

Thank you for the invitation, the following points are analyzed for the subject's reference: 1. On the encyclopedia, common genetic diseases are: hypertension, diabetes, dyslipidemia, etc.

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If there is such a family inheritance in the family, it is a hereditary disease, and the insurance company will not buy insurance for such a situation.

It should be based on the family's medical history, if there is such a medical history, this line will be excluded, and a physical examination is required before buying insurance.

You should look up your own medical treatment, and you should also look up your own genetic diseases, so that you can define them, and the results are particularly good.

You can ask the hospital to issue a relevant certificate, because when you want to buy insurance, you must have a relevant certificate from the hospital if you want to buy a hereditary disease.

If the insured has a family history of inheritance or hereditary diseases, it is first necessary to determine that they can be insured according to the specific circumstances, and some insurance companies will be able to provide protection for the insured with hereditary diseases according to the different types of diseases. Under normal circumstances, in the case of a family genetic disease, the insured must truthfully inform the insurance company, the insurance company will underwrite the insured, review the health status of the insured, and divide the risk level.

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If the policyholder does not know that he has a congenital disease before applying for insurance, it is impossible to inform him when he or she applies for filial piety.

However, if the first person is hospitalized due to a congenital disease after applying for insurance, the insurance company will not pay the compensation for the medical expenses incurred, but the insurance premium paid can be refunded;

In another case, the cause of medical treatment and death of the insured is caused by a congenital disease, and the insured knows his condition but does not inform the insurance company before applying for insurance, which affects the insurance company's coverage, and the insurance company will refuse to pay the claim. Repentance.

In the exclusion clause of critical illness insurance, there is basically a clause that excludes hereditary diseases, that is, if you are diagnosed with a hereditary disease, you will not be compensated.

If you don't make a claim, there is a user questionnaire before you buy insurance for family genetic diseases, which includes an item about whether your family has a hereditary disease, and you must tell the truth. Consult the salesman you handled at that time.