After buying commercial insurance for a few months, HPV is detected, can the insurance report the mo

After purchasing insurance, if it is found that the individual has a critical illness, then how to reimburse the insurance, whether the insurance company can compensate, many policyholders are very confused and worried, in fact, this situation is also very common, first of all, it is necessary to determine whether the individual has purchased serious illness medical insurance when purchasing commercial insurance, if the serious illness medical insurance has been insured, and has passed the waiting period of commercial insurance in serious illness medical insurance, then the insurance company needs to compensate the individual in accordance with the provisions of the contract. Of course, the insurance company is responsible for the explanation of the insurance contract, and you must check the terms in detail in the personal critical illness insurance to see whether the personal illness is included in the insurance company's critical illness compensation. <>

1. Whether the insurance company can reimburse or not, you first need to get a doctor's disease diagnosis certificate.

Many people suddenly know that they are sick, and they will not be able to bear the huge impact psychologically for a while, resulting in a very poor mental state of the individual, and at the same time, they will be very worried about how to deal with the huge expenses in the process of medical treatment. First of all, if you have commercial insurance, then after passing the doctor's diagnosis certificate in the early stage of the disease, you should first contact the insurance company to communicate with the serious illness as soon as possible to see whether the insurance purchased by the individual contains serious illness insurance, and secondly, whether the insurance purchased by the individual has passed the waiting period, and if the compensation can be made, the insurance company is required to intervene in accordance with the normal process and guide how to carry out the claim process. <>

2. If I buy commercial insurance, can I apply for insurance reimbursement if I get HPV a few months later?

As for whether it can be reimbursed, pay a few months need to be inquired and processed by the individual with the insurance company, the general waiting period for commercial insurance is 180 days for half a year, if the individual has paid for more than half a year, then it is very likely that the insurance company will reimburse, if there is no waiting period, then the insurance company has the right to refuse the claim. <>

3. What should I do if the insurance company cannot make a claim?

If it is true that there is no such benefit clause in the insurance indemnity clause due to the purchase of the individual insurance, then the insurance company will refuse it. In view of this situation, individuals can use the social security medical insurance provided by these countries when seeking medical treatment**, which can greatly reduce the burden of medical treatment for patients.

Generally, there is a waiting period of half a year for commercial insurance, and if HPV is detected during the waiting period, then the insurance company has the right to refuse to reimburse. If the payment time has passed the specified guarantee period, you can contact the relevant insurance personnel for insurance reimbursement with the diagnosis certificate issued by the doctor.

Whether the insurance company can reimburse or not, you first need to get a doctor's disease diagnosis certificate. It depends on whether the insurance purchased by the individual contains critical illness insurance, and secondly, whether the insurance purchased by the individual has passed the waiting period.

Mainly commercial insurance, he has a certain observation period, if the moral observation period has passed, then within the scope of the claim, the premise is to take out insurance with illness?

It depends on the insurance you buy, some insurance requires no critical illness in the first three months of insurance, and some require half a year.

Yes, this is an infection and not a disease.

Yes, but tell us truthfully.

**Person? Can you talk about it? This needs to be reported truthfully and covered at an additional cost.

Hello dear! I am glad to answer for you: a few months after quietly buying commercial insurance, check that HPV is not normal and still in the insurance HPV Yang Xing belongs to an abnormal indicator in the first examination, insurance insurance, defense car critical illness insurance when the product health notice may be involved, usually this kind of test results can be found by the insurance company, as long as it is checked out in a regular hospital.

According to the explanation, HPV positive patients may lead to cervical disease, and in severe cases, it will lead to cervical cancer, and patients should fulfill the obligation to truthfully inform when applying for health insurance, so as not to affect the claim with Bing insurance.

Commercial insurance generally only reimburses the medical expenses caused by accidents and diseases, such as accident insurance, medical insurance, critical illness insurance, etc., but the HPV vaccine is a prevention, not because of accidents, nor because of medical expenses caused by diseases, so commercial insurance will not reimburse. Other commercial insurance, such as universal insurance, participating insurance, life insurance, etc., does not cover the cost of HPV vaccine. I hope my stool locust can be helpful to you, thank you for your consultation, thank you,.

If the HPV test is positive, it will have a greater impact on buying insurance, especially for critical illness insurance, medical insurance, cancer insurance and other products. If you are insured with life insurance, it can usually be underwritten in a standard body, and accident insurance is not to be talked about, it has no impact at all. For medical insurance and critical illness insurance, there are certain requirements for physical conditions.

So if you are not in good health, can you buy insurance? Here's the details: Who can't buy insurance?

How to successfully buy insurance for illness?

HPV vaccine, also known as cervical cancer vaccine, began to attract attention and was introduced into China in 2018.

Truthfully inform the insurance company to underwrite, it is possible to refuse insurance or increase the cost of underwriting or exclude underwriting, do not hide it. Because as long as you have seen a doctor, the hospital must have a record.

Buying insurance is to make a claim if something goes wrong, not to buy insurance, and if you conceal it, you will definitely not settle a claim.

Hello HPV high-risk positive, can I buy critical illness insurance?