Can I buy insurance for pulmonary nodules, and can I still buy insurance if I have pulmonary nodules

Yes, but not all products can be bought.

If it is accident insurance, financial insurance, etc., which usually does not have health notices or health notices are more relaxed, it generally does not affect the insurance.

If it is medical insurance, critical illness insurance, etc., which requires health notification, the insurance company will make an underwriting result according to the actual situation of the insured, such as exclusion or denial of insurance.

If you don't know if you can be insured in your situation, you can take a look at this strategy: Super comprehensive strategy: Can you be insured for various diseases? How to insure?

Million Medical Insurance: Ruihua Medical Insurance Plus is a million medical insurance with 6 years of protection, with a deductible of 10,000 for 6 years, which is not inferior to several top products. 【 h 】Pulmonary nodule underwriting rules:

If the nodule is found for more than 3 years, there is no change in the size, boundary and calcification of the nodule after re-examination, and the maximum diameter of the nodule is less than or equal to 4mm, it can be underwritten normally. If the nodule is larger than 4 mm, it can be ruled out: only medical expenses related to pulmonary nodule disease, complications, sequelae cannot be reimbursed.

Pulmonary nodules. Patients can purchase accident insurance as normal.

and life insurance, but if you want to buy medical insurance, it depends on the size, nature and whether the lung nodule has been surged, and you need to bring the case and other information to the insurance company to inform the situation in detail.

Extended Information] 1. Critical illness insurance.

The health notice of critical illness insurance is also relatively strict, after all, the insurance company bears a lot of compensation risk.

If it is benign and also removed, it can basically be covered normally.

2. Medical insurance.

The health notice of Million Medical Insurance is very strict, whether it is a thyroid nodule.

Breast nodules or lung nodules.

Million Medical Insurance will make detailed inquiries at the time of underwriting.

Typically, the majority of the underwriting conclusions given by Million Medical Insurance for such diseases are exclusion coverage.

3. Accident insurance.

Accident insurance will only pay for physical losses caused by external, sudden, unintentional, and non-disease accidents.

Pulmonary nodules are diseases and are not covered by accident insurance, so patients with pulmonary nodules can purchase accident insurance normally.

4. Term life insurance.

The health notice of life insurance is also relatively relaxed, and many life insurance products generally do not ask about the condition of lung nodules, and can be directly insured normally.

Because the most complex lung nodules are more complex, there are about 80 kinds of them, including various benign lesions (inflammatory proliferation foci, benign tumors.

Precancerous lesions (atypical adenomatous hyperplasia) and malignant lesions (lung cancer.

All can manifest as pulmonary nodules, and differential diagnosis is more difficult.

And with other parts of cancer.

Compared to , the prognosis of lung cancer.

Poor, insurance companies are also more cautious and conservative in the underwriting of lung nodules.

In underwriting, if the lung nodule has been operated on and the result is pathologically benign, then the critical illness insurance is monogram coverage.

However, some insurance companies will also exclude lung disease.

Specifically, it depends on the insurance company, and you can do multiple insurance companies underwriting at the same time, so this time reflects the advantages of the broker.

Multiple insurance companies underwrite, just to see which one can be standard body insurance. If you want to buy medical insurance, it can be difficult.

If the lung nodule does not have all of the following:

1.The nodule was found less than 1 year ago.

2.Nodule diameter .

3.Multiple (2) ground-glass nodules.

4.Regular follow-up as recommended by the doctor.

5.The follow-up nodule is found to be enlarged or suspected to be malignant.

If the above conditions are not met, the coverage may be excluded (excluding lung diseases and their complications and sequelae).

If the nodule has been surgically removed and the diagnosis is benign, it can be covered normally.

First of all, people with pulmonary nodules can buy insurance.

However, if this group of people wants to buy health insurance such as critical illness insurance and million medical insurance, it may be a little difficult to successfully apply for insurance or there may be an underwriting conclusion that excludes coverage; Then there are those who want to insure life insurance, accident insurance, etc., which are likely to be underwritten in a standard body.

What should people with pulmonary nodules pay attention to when buying insurance? Let's give you a simple answer.

Before that, if you have any questions about insurance, you might as well click on the following to understand in advance: which is better [insurance], how to buy a good deal, and teach you to avoid these pitfalls of insurance.

To be precise, pulmonary nodules are not considered a disease, but refer to focal circular dense shadows of various sizes, clear or blurred edges, and less than or equal to 3 cm in diameter on lung images.

According to the relevant regulations, pulmonary nodules can be divided into lumps, pulmonary nodules, pulmonary nodules and pulmonary micronodules if they are distinguished by size, and it should be noted here that the size of pulmonary nodules is generally more than 10mm.

However, don't panic too much! Even if the size of the lung nodule has reached 20mm, it is not necessarily a malignant tumor, and the specific situation depends on the diagnosis of a professional doctor.

Because the parts involved in pulmonary nodules are relatively difficult to diagnose and may be cancerous, insurance companies have stricter underwriting requirements for such people with pulmonary nodules; Despite this, people who suffer from pulmonary nodules must also truthfully inform their health when applying for health insurance! so as not to affect subsequent claims.

From the above content, it can be seen that it is better to buy insurance as soon as possible, especially if you want to buy health insurance!

For those who already suffer from pulmonary nodules and want to buy insurance, it is recommended that you can withdraw and consider the insurance products with less stringent health notification requirements; There are also products that prioritize support for smart underwriting.

In addition, if you want to know what else can be done to insure if you are sick? If you are interested, please refer to this article:

Remember these 5 steps to get you sick and get out of the insurance smoothly!

You need to confirm how you filled in the information during the health survey, and you have a medical record of no lung nodules. If not, the ** after the waiting period can be reported. If you knew about it before and deliberately didn't say it, it should be invalid.

Can't buy insurance if you have a knot? Don't ignore it because it's a trivial matter, the consequences are serious.

Summary. Hello, generally after the detection of lung nodules, if the surgical resection and recovery is good, it will be relatively easy to apply for critical illness insurance, such as Darwin No. 6, Worry-Free Life 2022, i Worry-free, etc.

Hello, generally after the detection of pulmonary nodules, if the surgical removal and recovery is good, the insurance of critical illness insurance will be relatively easy, such as Xiang Na Xi said Darwin No. 6, Worry-free Life 2022, i Worry-free, etc. have the opportunity to be underwritten normally.

The risk of unoperated pulmonary nodules is relatively larger, so everyone naturally has a lot of restrictions when buying insurance. Most critical illness insurance policies will be directly denied, and there are very few that have a normal or excluded chance of coverage, and iWorry-Free is one of these very few.

iWorry-free's underwriting requirements for unoperated pulmonary nodules are very clear. If the conditions are met, that is, there are only 1 2 nodules, non-multiple, the maximum diameter is not more than 5mm, and there are no malignant risks such as "irregular morphology" and "lobulation" in the nodule examination report, you will have the opportunity to insure.

If Hongsen can then meet the requirements, it can be directly underwritten normally; If you do not meet the requirements, you can also exclude the coverage, that is, the malignant tumor of the lung and carcinoma in situ of the intolerant spring will not be covered, but other benefits will not be affected.

For unoperated rough lung nodules, in addition to the i worry-free rubber stool hall can be insured, there is also a chance that Zhonghe Chaoyue No. 1 will be underwritten by Liang Yin normally, and Tongfang Global Versailles Plus may be excluded from the coverage; However, these two products will be relatively expensive, which is suitable for friends with a more budget.

In addition to critical illness insurance, what other products can be considered when buying term life insurance, accident insurance and million medical insurance for friends who have found out for pulmonary nodules? We can pick and choose based on the following tips: Term Life Insurance:

You can choose products that do not ask about lung nodules, such as Optimus Prime 7, Yimaixiang Orange, etc. Accident insurance: The health requirements are relatively relaxed, and most products will not ask about pulmonary nodules, so you can buy them directly, such as the Bureau Bee No. 2 Transcendence Edition.

Million medical insurance: health requirements are relatively strict, most of the health notice of the product will be noisy will ask Zhila to serve the lung nodules, after doing a good job of intelligent underwriting, there is a chance to underwrite normally or exclude coverage, you can consider the products of medical insurance plus, good medical insurance (6 years 20 years) and so on.

Because of the feast when insuring millions of medical air and land therapy insurance, the underwriting conditions for Douzhiqing pulmonary nodules are also more complicated, we have sorted out the underwriting conditions of some popular products, and friends who need it can refer to the following **:

If you can't buy these products, you can take the test for Weibao Puhui Paichong Medical Insurance or local Huimin Insurance, the health requirements of these products are very relaxed, and you can also buy Sun Coarse Lung Nodules.

It is best to buy accident insurance and life insurance that do not involve health notice, so as to avoid the question of failure and "whether you have ever been able to withstand being covered by additional conditions".

Whether or not a lung nodule can be insured depends mainly on the benign and malignant nature of the nodule to be judged. For benign lesions, critical illness insurance may be covered at an additional cost, while medical insurance will have exclusions. Considering that the possibility of benignness is high, but the possibility of malignancy cannot be ruled out, critical illness insurance will increase the coverage and have the responsibility to exclude lung malignancy, and medical insurance will refuse to cover or set exclusions.

Let's start with the subject's question: If you have a pulmonary nodule, you can buy insurance. However, it should be noted that people with pulmonary nodules may not be able to apply for insurance as a standard body, and the specific situation depends on the actual physical condition of the insured and the requirements of the insurance product.

Before the official start, if you have a small partner who doesn't know much about insurance, you might as well click into this study first:Ultra-complete! Everything you need to know about insurance is here

Pulmonary nodules refer to focal circular dense shadows of various sizes, clear or blurred edges, and individual diameters of less than or equal to 3 cm on lung images.

In simple terms, pulmonary nodules can be seen as lesions in lung tissue, but not all lesions are malignant and may be benign.

In general, the severity of pulmonary nodules varies depending on the impact it may have on the insurance products insured.

For example, if you want critical illness insurance if you have undergone surgery and have a benign pathological outcome, then the insurance company may conclude that the target is underwritten, excluded or denied, etc.

Therefore, different insurance products may give different underwriting theories for the same situation, and in this regard, it is recommended that small partners with pulmonary nodules can screen more insurance products with looser insurance conditions when applying for insurance.

In fact, it is recommended to apply for insurance as early as possible, after all, most people are in good health when they are young, and it is easy to apply for insurance successfully.

Remember these 5 steps to get you sick and get out of the insurance smoothly!

There is one thing that the senior sister would like to remind everyone: if you want to be a successful partner with a sick insurance, in the process of facing health notice, you must not deliberately hide it, and be sure to tell the truth!

It is recommended that you can refer to the principle of "answer all questions, do not ask and do not answer" to inform truthfully, if you do not tell the truth, it may have an impact on the subsequent claims, and may even be rejected by the insurance company for not telling the truth. Hope.

Under normal circumstances, patients with pulmonary nodules have the opportunity to buy insurance, but the insurance company has to judge what insurance can be purchased or how to underwrite it, according to the actual physical condition of the insured.

If you have friends who don't have time to read the full text, you can also take a look at this article in advance:Remember these 5 steps to get you sick and get out of the insurance smoothly!

Pulmonary nodules are a common clinical sign, which refers to the circular or irregular lesions in the lungs with a diameter of less than or equal to 3cm, and the imaging shows the shadow of increased density, which can be single or multiple, with clear or unclear borders, and can usually be divided into benign nodules and malignant nodules.

Generally speaking, if a patient with pulmonary nodules who has undergone surgery** and has benign pathological results and no other complications wants to purchase critical illness insurance and medical insurance products, they usually have the opportunity to be able to apply for insurance by excluding underwriting; If you don't talk about it, you are likely to be denied insurance by the insurance company.

Speaking of which, the senior sister has also sorted out a few critical illness insurance products with more relaxed health notices for you, and interested partners can take a look:Latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

In addition to critical illness insurance and medical insurance, small partners with pulmonary nodules also have the opportunity to successfully apply for other insurance products such as accident insurance, life insurance or annuity insurance.

Finally, if you are not very familiar with the difference between these types of products, you may wish to take a look at this article:What are the differences between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Hope.