What diseases cannot be insured with critical illness insurance, and whether critical illness insura

When applying for critical illness insurance, customers with hepatitis B, overweight, high blood lipids, abnormal liver function, high blood pressure, hematuria, high blood sugar, kidney stones, breast tumors, and stomach ulcers may be increased or denied insurance by the insurance company. Generally, if the problem is more serious, it will be directly denied, and if the problem is relatively mild and can be cured, there will be a situation where the additional fee can be covered. Whether or not a critical illness can be purchased needs to be analyzed on a case-by-case basis based on the customer's physical condition.

For those who have already suffered from a critical illness, it is very likely that they cannot be purchased, but if they have suffered from a critical illness** and are recovering well, they have the opportunity to apply for underwriting from the insurance company, and if the situation is not serious, they will have the opportunity to purchase critical illness insurance again. That's why our critical illness insurance needs to be planned ahead because we don't know when the risk will come, and the younger we are, the lower the cost of critical illness insurance. Not to mention that the premium is more expensive when you are older, and your physical condition is not as good as when you were young, there may be various problems when you apply for insurance.

Critical illness insurance is a kind of health insurance, and it is necessary to truthfully inform the health before applying for insurance, and people who do not meet the health notice are likely to not be able to apply for critical illness insurance, such as having a history of serious illness, suffering from chronic diseases, etc., may not be able to apply for insurance. However, the health notification requirements for different critical illness insurance products are different, and whether the insurance company should underwrite or not must be judged according to the actual situation of the insured, and cannot be generalized.

If you are already sick, it is recommended to choose a product with a relaxed health notice, and the probability of successful insurance will be higher. Senior sister helped you find several critical illness insurance with loose health notices, and patients with illness can try to see if they can be insured: the latest!

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

When it comes to health notice, we should pay attention to the truthfulness when applying for critical illness insurance, if you conceal the truth in order to successfully apply for critical illness insurance, medical insurance and other health insurance, the insurance company will review the health notice and other information again, once it is found that it does not match the actual situation, the rejection of the claim is quite light, and the serious may be sued in court and say that it is a fraud insurance!

Therefore, it is important to tell the truth about your health. However, our country implements limited notification, so we can "answer all questions, and do not ask and do not answer". Senior sister will share a few tips to deal with health notices, which can increase our chances of passing smoothly:

What are the tips for health notification when applying for insurance?

In addition, if the appropriate underwriting method is chosen, it can also increase the probability of successful insurance for patients with illness.

When purchasing critical illness insurance for sick patients, they can consider insuring insurance products that support intelligent underwriting and manual underwriting. This article has a more detailed explanation of the underwriting method, you may wish to take a deeper look and choose the appropriate underwriting method: What is the difference between intelligent underwriting and manual underwriting?

This article will take you to understand the correct posture for insurance!

Critical illness insurance, also known as critical illness insurance, so what is critical illness?

A major illness is a disease that will endanger the patient's life, have a great negative impact on the life of the family, and be expensive, which will bring a heavy financial burden to the family.

Therefore, the main function of critical illness insurance is to help patients transfer the financial risks caused by critical illness, so that the life and family of the insured person are not affected by the disease.

Currently, there are many critical illness insurances on the market, but not all critical illnesses are covered.

Also, when you are buying a critical illness insurance, many people will tell you how many critical illnesses this critical illness insurance covers, which is more than other products.

But is more necessarily better?

Compared with the original critical illness insurance, it is indeed good to only cover four critical illnesses: cancer, acute myocardial infarction, stroke and coronary artery bypass surgery.

However, with the development of critical illness insurance, it is no longer possible to measure protection simply by the number of critical illnesses.

These 28 illnesses are covered by all critical illness insurance, and they are all easily covered by insurance companies, which are relatively common critical illnesses, and the relevant definitions cannot be changed.

If these illnesses are not critical illnesses, how can we say that we have really bought a protection by applying for critical illness insurance?

You must know that there were originally only 25 types of critical illnesses that must be insured, but at the end of 2020, 3 common illnesses were added.

However, in the market, there are many types of critical illness insurance that cover far more than 28 types of critical illness, more than 100 types are relatively common, and even some critical illness insurance also includes moderate illness protection and mild illness protection.

But if you want to say that it is useless, it is actually an extra guarantee, and it is not the main factor in your choice.

Therefore, when we choose critical illness insurance, we should focus on critical illness products that can cover common and high-risk critical illness products.

In any case, each critical illness insurance contains 28 kinds of critical illnesses that must be insured, and when we apply for critical illness insurance, we do not need to pay too much attention to the number of critical illnesses, but to pay attention to health notices, in addition, we also need to pay attention to issues such as budget and insurance amount, and we can also choose according to family genetics.

Critical illness insurance is very necessary to buy, because people have a long life, it is impossible to never get sick, if it is a minor illness and small pain, it is okay, in case of a major disease, such as liver cancer, severe brain injury, paralysis and other major diseases, the cost required is relatively expensive, usually calculated in tens of thousands.

If there is a critical illness insurance, the insurance company can pay a sum of money, which can well cover the expenses of critical illness expenses.

If you still want to know what diseases are covered by critical illness insurance, you may wish to take a look at the following article:

What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

It is estimated that many friends who have already bought social security have doubts: "I already have social security, and I can also solve the problem of ** expenses, why should I buy critical illness insurance?" "In fact, the reimbursement amount and reimbursement ratio of medical insurance are limited, and only the list in the medical insurance catalog can be reimbursed.

In other words, if you have a critical illness, it is not enough to rely on medical insurance to reimburse the medical expenses.

And critical illness insurance and medical insurance are different, it is a type of benefit-type insurance, once suffering from the agreed disease, and meet the claim standards, consumers can get the insurance money paid by the insurance company, the most important thing is that there is no restriction on the use of this compensation, in addition to being used to pay for medical expenses, it can also make up for the loss of income caused by illness, or as a follow-up ** expense is no problem.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

So, what do you need to pay attention to when buying critical illness insurance?

1. The content of the guarantee should be comprehensive.

Generally, when choosing critical illness insurance, it is necessary to choose a product with comprehensive coverage, such as covering "critical illness + moderate illness + mild illness" protection. Of course, it would be better if additional compensation could be provided, or practical optional protection such as policyholder waiver and multiple compensation for malignant tumors, so that the protection given to consumers would be greater.

2. Sufficient sum insured.

In addition, we also have to choose enough insurance amount, if the insurance amount is not enough, it may not be able to solve the problem of ** cost. Of course, the higher the sum insured, the better, because the sum insured and the premium are linked to each other, the higher the sum insured, the more expensive the premium, so consumers can choose a reasonable amount of insurance according to their actual budget.

How much insurance is appropriate? Let's talk about the doorway inside.

Considering the financial risks brought about by critical illness, senior sisters still recommend that friends buy a critical illness insurance product for themselves or their families. Because the insurance benefits paid by critical illness insurance can help people solve high medical expenses or loss of income during illness, and ensure that the quality of life does not deteriorate.

Speaking of which, there must still be some friends who don't know much about the diseases covered by critical illness insurance, and the following senior sister has compiled an article, remember to take a look: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

It is important to purchase medical insurance to supplement it as necessary. When it comes to commercial insurance, professionals from the Fujian Public Insurance Network suggest that the whole family should first purchase critical illness insurance, accidental injury insurance and medical insurance, and it is more common for the critical illness insurance amount to be 200,000 yuan. Critical illness insurance is to protect against a number of high-cost and dangerous illnesses specified in the insurance contract.

From the perspective of the types of diseases covered, there are more than 500 diseases covered.

Meow Meow Insurance: Allianz-Happy Life Personal Comprehensive Accident Critical Illness InsuranceIn general, the annual premium expenditure accounts for about 15% of the family's annual income. There are two insurances that are indispensable in life, that is, critical illness insurance and accident insurance, because once this risk occurs, it is a huge blow to yourself and your family, and it also has a great impact on the spiritual level and economy, so you must take precautions and prepare in advance, so that you are not only responsible for yourself, but also responsible for your family.

In addition, since there is no requirement for hospitalization and hospitalization subsidy insurance, whether it is an accident or illness, major illness or minor illness, it can be covered.

Critical illness insurance can cover 28 critical illnesses stipulated by the China Banking and Insurance Regulatory Commission, plus on the basis of the figure below: severe chronic respiratory failure + severe Crohn's disease + severe ulcerative colitis.

More than 95% of critical illness insurance claims are in these 25 critical illnesses, so there is no need to worry too much about which diseases are covered by critical illness insurance.

Note: There are 28 types of critical illness insurance insured diseases in the new regulations! ）

Of course, critical illness insurance is not limited to these 25 kinds of critical illnesses, some critical illness insurance has hundreds of critical illnesses, and the more critical illness insurance protection, the more expensive it isWhat critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article

There are many things to know about critical illness insurance in addition to what diseases are covered, so let's analyze what are the most important points to look at when picking critical illness insurance.

1) Types of coverage.

There are 25 types of critical illnesses, so there is no need to worry about the number of critical illness types of critical illness insurance, and critical illness insurance focuses on the protection of moderate and mild diseases. It is very likely that some mild illnesses will appear before the critical illness, which is moderate and mild, and a good critical illness insurance should cover both moderate and mild illnesses.

Xueba talks about insurance, focusing on insurance product evaluation! The content of critical illness insurance is more complicated, and I have sorted out most of the diseases covered by critical illness insurance here:"Comparison Table of 136 Popular Critical Illness Insurance in China".

2) Payout ratio.

The compensation ratio for critical illness is 100% to pass, and it is best to have additional compensation, the compensation standard for moderate illness is 2 times of compensation, and the compensation ratio is not less than 50%, and the compensation standard for mild illness is 3 times of compensation, and the compensation ratio is not higher than 30%.

3) Cancer Second Benefit.

Critical illness insurance mainly depends on whether there is a second claim for cancer and how long the interval is, and the general interval is 180 days or 3 years.

4) Reasonable claims.

Critical illness insurance claims involve these aspects: payment after diagnosis, compensation after the implementation of certain means, and compensation after reaching a certain disease state. For example, the payment for cancer is only reasonable if it is diagnosed, and major organ transplantation, hematopoietic stem cell transplantation, coronary artery bypass grafting and other first-class means are eligible to be paid after the implementation of certain means.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Have suffered from a critical illness or high blood pressure as agreed in the critical illness insurance.

Heart disease, diabetes.

Coronary heart disease, overweight and other diseases may be required to increase the premium or refuse to cover when applying for critical illness insurance. Because this kind of disease may cause serious illness, or even have a critical illness**, insurance companies will refuse to apply for insurance for patients with these diseases in order to control the risk.

Extended information: Critical illness insurance refers to the insurance company that is operated by the insurance company for specific critical diseases, such as malignant tumors.

When myocardial infarction, cerebral hemorrhage, etc. are risks, the insurance company pays the insurance money according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause.

Term insurance: Critical illness protection is the main insurance, which is given for a certain period of time, and generally adopts balanced premiums. The maximum coverage period of this type of critical illness insurance is 30 years, and if you buy it at the age of 20, you can only protect it until you are 50 years old, and if you buy it at the age of 30, you can only protect it until you are 60 years old.

It should be noted that although this kind of insurance is the main insurance, it is also a consumer type, and the premium cannot be refunded if there is no claim.

Whole Life Insurance: Whole life critical illness insurance provides lifelong protection to the insured. There are two forms of lifetime protection, one is critical illness protection for the insured until the death of the insured; The other is that when the insured survives to the limit age agreed in the contract (such as 100 years old), the insurer pays the insurance money equal to the amount of critical illness insurance, and the insurance contract is terminated.

Generally, whole life critical illness insurance products will include death insurance liability, and the rate is relatively high due to the greater risk.

Additional Benefit Insurance:

You need to purchase other primary insurance plans at the same time, such as whole life insurance at the same time.

Or pension insurance.

It is a consumer-based type of insurance, and the natural rate design is more common. That is, only three or four hundred yuan is required for the age of 30, and the payment will exceed several thousand yuan every year after the age of 60, and the premium cannot be refunded when no claim occurs. The death benefit is based on the sum insured of the main policy.

Claims are made.

Early Payment Insurance:

It is necessary to purchase other main insurance at the same time, most of which are limited to whole life insurance at the same time (the kind of insurance that the insured cannot get money while he is alive is called whole life insurance), which belongs to consumer insurance. The death benefit is also based on the sum insured of the main insurance.

Here, whenever you see an additional critical illness with the words "early payment", you need to understand that it has a very significant feature - once a claim occurs for an additional critical illness, the sum insured of the main insurance must be subtracted from the claim amount accordingly. For example, if you apply for 200,000 whole life and pay 100,000 yuan for critical illness in advance, if you get 100,000 yuan in critical illness claim, the whole life will be subtracted from the 100,000 yuan that has been claimed, from 200,000 yuan to 100,000 yuan. If the whole life and additional advance payment are each insured with 100,000 yuan, once a critical illness claim occurs, the main insurance will be reduced to zero, and the insurance contract will be terminated.