Can I still buy critical illness insurance if I have had a critical illness, and can I buy critical

Whether you can buy serious illness insurance after illness mainly depends on the type of illness of the policyholder, or the specific requirements of the insurance company. It is recommended that before purchasing insurance, you should carefully read the terms and conditions of critical illness insurance, and communicate and inquire with the insurance company on the basis of understanding your own condition to determine the likelihood of successful insurance.

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For people who already have a critical illness, whether it is feasible to purchase critical illness insurance needs to be decided on a case-by-case basis. Some insurance companies only accept applications from standard or sub-standard insureds, so people may not be able to get coverage if they already have a certain medical condition at the time of application. Some insurance companies offer riders for people who already have a medical condition, which typically charge a higher premium than a standard policy and may have limitations or exclusions for certain illnesses.

In addition, it is important to note that if the insured person is diagnosed with a critical illness before purchasing the insurance and does not disclose the situation, the insurance company may refuse to pay, depending on the circumstances.

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Of course, you can, and I recommend that everyone allocate a certain percentage of critical illness insurance to themselves.

I don't have any advertising in saying this, because I don't work in the insurance industry myself, but I have configured critical illness insurance for myself and the people around me, and I think it's a basic guarantee for my life. With regard to the question you asked, I would like to make my point out of the following points.

You can think of critical illness insurance as a basic form of health protection.

I remember reading a statistic before, as of 2018, there are currently about 1.3 billion people in our country who have paid social security, which means that social security has basically covered all of us. One of the contents of social security is medical insurance, when we need to spend money on medical treatment, we can reimburse the relevant expenses according to different proportions. However, I do not cover all medical products, which means that when we really need to spend money on medical treatment, some diseases are not actually covered by medical insurance, and we need to pay the full amount out of our own pockets, which is where critical illness insurance comes into play.

The cost of critical illness insurance is generally not high.

You may have heard that a certain insurance product requires a premium of 100,000 yuan per year, but most of that type of insurance is life insurance and wealth management. Generally speaking, a user under the age of 50 only needs to pay a premium of nearly 1,000 yuan per year to configure a better critical illness insurance. Critical illness insurance covers a lot of areas that are not covered by medical insurance, which further strengthens our safety line

The sooner you buy critical illness insurance, the better.

Critical illness insurance is divided into payment and payout, but regardless of the type of claim, critical illness insurance is very important. Generally speaking, the sooner you buy critical illness insurance, the betterWhen you are young, not only is it cheaper to buy critical illness insurance, but you will also have more insurance options to choose from。You can think of the money you pay out for critical illness insurance as a loss of recovery and health, or you can understand it as a strong barrier to provide basic health protection for your family.

It is possible to buy. I bought critical illness insurance, which includes more diseases and is not very expensive, and with medical insurance, it is safer and gives me a guarantee.

It is possible to buy it, and the cost is not high, and it can bring you great benefits for yourself, and it can protect yourself, so it is possible to buy it.

Critical illness insurance can be bought, anyone can buy critical illness insurance, and the compensation amount of critical illness insurance is also very high.

Summary. Kiss the insurance that you can buy if you have a critical illness. Some insurance companies offer critical illness insurance, which allows you to receive a certain amount of compensation after being diagnosed with a specific illness.

In addition, there are some insurance companies that offer survival money insurance, that is, after being diagnosed with a specific critical illness, you will receive a certain amount of survival money every year until the end of the insurance period. These insurance products can help ease the financial burden in the event of a serious illness, so you can focus on.

Kiss the insurance that you can buy if you have a critical illness. Some insurance companies offer critical illness insurance, which allows you to receive a certain amount of compensation after being diagnosed with a specific illness. In addition, there are some insurance companies that provide survival insurance, that is, after being diagnosed with a specific serious disease, you will receive a certain amount of Shengwu Xun Savings every year until the expiration of the insurance period.

Critical illness insurance generally has a large payout amount and can help you cope with medical expenses, living expenses, and more. However, it is important to note that the rules vary from insurance company to insurance company, so you need to read the terms carefully to understand the specific coverage and conditions. At the same time, when purchasing insurance, you need to disclose your physical condition and family medical history to the insurance company, so that the insurance company can evaluate and design a personalized insurance plan.

Compared with critical illness insurance, survival insurance covers a wider range of illnesses, and the sum insured is relatively small. At the same time, the protection period of survival insurance is longer, and some products can even be closed to the bank for life. This makes survival insurance an alternative to critical illness insurance suitable for long-term protection.

However, due to the small amount of insurance for survival insurance, it is generally difficult to fully cover the first expense, so you need to comprehensively consider your own situation and insurance needs to choose an insurance product that suits you. <>