Will the cancer claim be renewed after the cancer benefit is paid?

Good health insurance. It depends on whether the policy can be renewed after a cancer claim.

Good medical insurance long-term medical care, underwritten by PICC Health Insurance Company, is a medical insurance that deals with serious illnesses or accidents and reimburses related expenses.

There are two scenarios for renewing your insurance in the event of a cancer claim:

1. Good medical insurance long-term medical treatment, guaranteed renewal for 6 years, since the claim has been obtained, then the guarantee can be renewed within 6 years, there is no doubt about this. Guaranteed renewal for 6 years means that the policy will not be refused to be renewed due to claims during the guarantee period; It is guaranteed that there will be no additional price increases, and it is guaranteed that the policy will not be refused to be renewed due to the suspension of sales.

2. Facing the problem of renewal review at the expiration of the sixth year, the promotional page of Good Medical Insurance said that it can continue to renew the insurance when it expires, but the terms of the contract do not state in black and white that as long as the product is not on sale, it can directly enter the next guaranteed renewal cycle without review. It means that at the end of the sixth year, the insurance company retains the right to renew the policy. (The simple understanding is that the clause does not say that it is exempt from review, which means that the insurance company has the right to review).

When a user enters the sixth year after making a claim for cancer, he or she faces the following four possibilities:

1. The product is no longer on sale, and the insurance may not be renewed when it expires, but it can be unconditionally transferred to other products, which means that the insurance can still be renewed;

2. The product is no longer sold, and you can switch to other products, but you need to be informed by health, you have cancer, you can no longer transfer insurance, and the contract will be terminated.

3. The product is on sale, successfully approved, and enters the next six-year guaranteed renewal cycle.

4. The product is on sale, but the insurance company believes that the user is suspected of insurance fraud due to short-term insurance, and no longer accepts the renewal or excludes cancer from liability.

Million medical insurance is usually deductible by 10,000, which is used to deal with serious illnesses on a daily basis, and the product has not been discontinued or has not been insured for a short period of time (chronic diseases occur just after buying insurance.)

or serious illness), you don't have to worry too much about renewing the policy.

Good medical insurance long-term medical treatment, a total of 10,000 deductibles within six years, the claim threshold is low, hospitalization enjoys the function of advance payment, the more worrying is the health notice, due to the lack of manual underwriting function, consumers do not carefully read the health questionnaire when applying for insurance, may cause claims disputes because of sick insurance.

After the cancer compensation is paid, if you buy serious illness insurance, you will still pay part of it, but if you don't buy insurance, you will not pay again.

Good medical insurance cancer will be renewed after the payment, as long as you continue to buy, it is still very reliable.

The 2020 version of Good Medical Insurance is a high-deductible medical insurance for PICC Health, which mainly covers outpatient hospitalization expenses for serious illness and major accidents. However, many medical insurance products reimburse cancer patients in the first year, but refuse to cover them in the second year. So, can a good medical insurance policy be renewed after a claim occurs?

Let's find out together today.

1. Does good medical insurance get cancer compensation?

1) From the disclaimer:

In the case of Ant Insurance, the terms of the contract clearly state that in addition to the pre-existing diseases, inherited metabolic diseases, fertility, **, crimes, high-risk sports, etc., which are specified in the exemption, diseases caused by other circumstances can be compensated.

2) From the point of view of the content of the underwriting:

This product insures 100 categories of critical illness medical treatment of 4 million, 100 categories of critical illness allowance of 100,000 yuan, cancer belongs to major diseases, not only good medical insurance to get cancer compensation, but also can give 10,000 yuan of hospitalization allowance. The first of the 100 categories of critical illness is cancer (malignancy).

No, you don't. Generally, it can be paid out in a lump sum, and it is impossible to renew the claim again in later life. This will not be the case either.

It will still be, and this insurance protection is also very large, and it is also very safe, cost-effective, and trustworthy.

It cannot be renewed. Renewal of short-term medical insurance is usually a year-long policy, if the insured is out of the insurance during the insurance period, after the insurance company pays out, it is often not possible to renew the policy in the next year. According to the insurance company, this is because even if the insured is **, the risk of re-illness is still very large, and the incidence of chronic diseases is also high, so the risk of renewal is too great for the insurance company.

Whether a product can be renewed or not is mainly determined by the renewal method specified in the contract, such as:

1. Health notification renewal: Although it can be purchased in the first year, if you are sick and hospitalized in the current year, Yuanhong needs to review the renewal in the second year, and it will not be able to renew the policy because the health notice does not meet the requirements.

2. Claims cannot be renewed: Although some products do not need to be renewed, the insurance company will also conduct a renewal review, and if there is a claim for a mild illness or a claim for medical insurance, there may be no way to renew the policy.

3. Guaranteed renewal: Some products are guaranteed to be renewed, that is, whether the claim is made in the current year, whether the health status changes, can be renewed.

Summary. Secondly, good medical insurance can be renewed after hospitalization medical claims, this is a million medical insurance product guaranteed to be renewed for 6 years, the premium rate will not be ** during the renewal period, the product can still be renewed when it is discontinued, and it will not be rejected because of the claim history and health changes, so you don't have to worry too much about this problem, in addition, the underwriting age of this million medical insurance is 28 days to 60 years old, and the maximum renewable age is 100 years old. Thank.

Dear, I can fully understand your feelings, first of all, the conclusion is yes, yes, you can, secondly, you can renew the insurance after the hospitalization medical claim, this is a million medical insurance product that is guaranteed to be renewed for 6 years, and the premium rate is guaranteed to be renewed during the renewal period, and the product can still be renewed, and it will not be rejected because of the history of limb claims and changes in health conditions, so you don't have to worry too much about this problem, in addition, the underwriting age of this million medical insurance is 28 days to 60 years old. The maximum renewable age is 100 years old, pay attention to the truthful health notice when applying for insurance, I hope mine is helpful to you! Thank.

Is it not possible to insure after 6 years of renewal?

After renewal. Give me a moment to look at your question, dear, dear, you don't have to dwell too much on this issue, yes, there is no such rule

Summary. Dear, whether a good medical insurance can be renewed after a claim depends on its renewal conditions, and the renewal conditions of different good medical insurance products are different. For example, the long-term medical insurance of Good Medical Insurance does not affect the renewal of the policy after the occurrence of a claim, while the renewal conditions of the hospitalization medical insurance of Good Medical Insurance are stricter, and the application for rejection of insurance after the occurrence of a claim may be denied.

Dear, whether a good medical insurance can be renewed after a claim depends on its renewal conditions, and the renewal conditions of different good medical insurance products are different. For example, the renewal of the long-term medical Xiaoqing insurance does not affect the renewal of the insurance after the occurrence of a claim, while the renewal conditions of the hospitalization medical insurance of the good medical insurance are stricter, and the application for rejection of the insurance may be denied after the claim occurs.

I asked them to give the child millions of medical insurance on Alipay online, good medical insurance hospitalization, there is still a month to expire, and now the child has a serious illness with a pure backbone, and needs a long-term ** scum trip.

What should we do in this situation?

Will the child be able to get long-term protection in this situation?

You can continue to renew your subscription during the medical insurance period.

You haven't made a claim yet.

The key is that the policy cannot be renewed now.

Has there been a claim, not yet.

The policy can be renewed before a claim has been made.

What should I do if I can't renew my policy now?

Is it clear that good medical insurance cannot be renewed?

Normally, Yisheng Wang medical insurance is paid for one year, whether the medical insurance bought before cancer can be renewed, specifically check the insurance contract of this insurance on some agreements on renewal, some products allow renewal, some will directly refuse to renew, and some products can be renewed with a single premium. If you are applying for medical insurance that does not guarantee renewal: after cancer, the insurance company will consider whether to allow the renewal of the policy based on the health of the insured and the historical claim situation, and may refuse to renew the policy directly.

Of course, there are also some medical insurances that do not guarantee renewal, but the renewal conditions are not bad, promising that the insurance will not be rejected due to changes in the insured's physical condition or historical claims, but the insured may be allowed to renew the policy at a separate additional fee. If you are applying for medical insurance with guaranteed renewal: as long as the joke file is within the guaranteed renewal period, the insurance company will allow the renewal of the policy, regardless of the changes in the insured's physical condition or historical claims.

This is a million medical insurance product that is guaranteed to be renewed for 6 years, and the premium rate will not be ** during the renewal period, and the product can still be renewed when it is discontinued, and it will not be rejected due to changes in claim history and health status. The coverage age of this million medical insurance is from 28 days old to 60 years old, and the maximum renewal age is 100 years old.