Does insurance cover depression, and can people with depression buy insurance

Depression is not covered by insurance.

There are many situations, as follows, depression can buy insurance, but because depression groups usually have mental symptoms, many people have self-harm and suicidal tendencies, and will do the opposite, the insurance risk of depressed patients is very high.

1. The insurance company does not have the professional ability to assess the possibility of depression of the insured. Therefore, as long as there is a history of depression, the insurance company will basically refuse to insure. Especially with medical insurance, it is basically impossible for people with depression to be successfully insured. Critical illness insurance.

Or medical insurance also has requirements for the health status of the insured, so the possibility of successful insurance for patients with depression is also very small.

2. However, some insurance companies are not so strict. For those who have already recovered from depression**, they still have a chance of being successfully insured, but they will need to provide a complete medical history. Such as discharge summary.

Complete outpatient records**, etc. And there is a possibility of increasing the premium or extending the insurance.

Extended information: 1) Judging from the current judicial practice, in general, suicide caused by depression is not covered by accident insurance.

within the scope of coverage. Because suicide is not an accident, the meaning of accident is foreign, sudden, non-diseased, and unintentional; Life insurance products have a "suicide exclusion clause within two years of the effective date of the policy". If the insured commits suicide within two years of the effective date of the policy, the insurance company waives it.

If the insured commits suicide two years after the policy has been in effect, he or she may be compensated according to the liability of the sickness and death insurance. In principle, the focus is not on whether the cause of suicide is depression or something else.

2) The underwriting risk of patients with depression is high, and many insurance companies will refuse to cover it. But there are also companies that can underwrite it. Many insurance companies generally defer the acute phase of depression or for up to one year since the last episode**.

Other conditions include the frequency of attacks, the time of the last attack or the time of cessation, whether there has been a suicide attempt, and whether there is alcoholism.

or drug use and other risk factors. In many cases, they can be insured with a premium.

3) As long as you have a history of depression, you can't buy insurance in principle. However, some insurance companies said that ** patients can continue to be insured, but they need to provide complete medical history information, such as discharge summary, complete outpatient visit records, evaluation questionnaires, etc. If the patient is insured for critical illness.

Because depression is not covered by critical illness insurance, it cannot be covered. If the patient has participated in the corresponding outpatient and emergency medical insurance, he or she can be reimbursed for the cost of depression drugs within the scope of the medical insurance reimbursement catalog. Therefore, different insurance companies have different regulations for people with depression, and "no matter" depends on the regulations of the specific insurance company.

People with depression have a chance to successfully purchase insurance products. This needs to be based on the requirements of the specific insurance product and the actual situation of the insured.

In addition, if you suffer from depression after taking out critical illness insurance or medical insurance, the insurance will generally not be liable for insurance claims. In other words, insurance usually does not cover depression, but you have to look at the terms of the insurance to see how it is stated.

People with depression can buy social endowment insurance and medical insurance, social endowment insurance and medical insurance can also be purchased when they are sick and are not subject to any disease restrictions, these two insurances can go through retirement procedures and receive pensions after 15 years of payment and reaching the statutory retirement age.

However, people with a history of depression cannot buy commercial insurance, and even if they do, the insurance company will not pay the claim.

Generally speaking, critical illness insurance or high-end medical insurance in commercial insurance has requirements for the health status of the insured, while patients with depression are more likely to have mental symptoms or suicidal tendencies, and the insurance risk is greater.

Insurance companies do not have the ability to assess the possibility of depression of the insured**, so it has become one of the circumstances in which the insurance company refuses to insure, and some conservative insurance companies will generally adopt postponement of the contract or direct refusal to reduce the risk.

Can I still buy insurance if I suffer from depression? Let's take a look at what Rainbow Huibao Teacher Liu has to say

Depression is a mental illness, depression can buy insurance to determine according to the physical condition of the policyholder and the terms of the product, some people may say that depression can not buy insurance, buy insurance may be restricted, but it does not mean "can not buy". How to buy insurance for depression, you might as well take a look at this article: "For people with depression, what are the tips for buying insurance?" 》

Depression can be insured. Depression can be purchased with life insurance, annuity insurance, accident insurance, etc. In fact, there are many insurances that can be purchased for depression, some insurance companies will not cover patients with depression, and some insurance companies will cover patients with depression, but the observation period will be extended.

Through the tens of thousands of customers who usually receive, it is found that few people can really buy insurance, and everyone ignores these problems What are the misunderstandings of buying insurance? How to buy insurance correctly? 》

Insurance generally does not protect against depression, including medical insurance, critical illness insurance, etc

1.Accident insurance: suicide is an exclusion clause and no claims will be made;

2.Suicide within two years from the effective date of the life insurance contract is not compensated; Compensable for suicide two years after the effective date of the insurance contract;

3.Death insurance: no compensation for suicide within two years from the effective date of the insurance contract; If you commit suicide two years after the insurance contract is effective, you can compensate;

4.Critical illness insurance without death insurance: If the insured dies by suicide due to depression, the insurance company can refund the cash value of the policy.

Summary. Depression can go to buy insurance. Some insurance companies do not have the professional ability to assess the possibility of depression** in the insured, so as long as there is a history of depression, the insurance company will basically refuse to insure.

Especially for health insurance, it is basically impossible for people with depression to be successfully insured. Critical illness insurance or medical insurance also has requirements for the health status of the insured, so it is unlikely that a depressed patient will be successfully insured. However, there are some insurance companies that are not so strict, and for those who have been ** depressed patients, there is still a chance to successfully apply for insurance, but they need to provide complete medical history.

For example, discharge summary, complete outpatient visit records, and so on. And there is a high chance that there will be additional coverage or extended coverage.

Hello, what you need to consult is whether people with depression can buy commercial insurance, right?

Can you elaborate on that a little bit more?

Depression can go to buy insurance. Some loose hosiery insurance companies do not have the professional ability to assess the possibility of depression in the insured**, so as long as there is a history of depression in the hand, the insurance company will basically refuse to insure. Especially for health insurance, it is basically impossible for people with depression to be successfully insured.

Critical illness insurance or medical insurance also has requirements for the health status of the insured, so it is unlikely that a depressed patient will be successfully insured. However, there are some insurance companies that are not so strict, and for those who have been ** depressed patients, there is still a chance to successfully apply for insurance, but they need to provide complete medical history. For example, discharge summary, complete outpatient visit records, etc.

And there is a high chance that there will be additional coverage or extended coverage.

Summary. Ping An e-Life Insurance is more relaxed for depression insurance, no need for **, and people with depression can also buy it, but all mental illnesses will be excluded. In addition, Ping An e-Life Insurance also has a 20-year guaranteed renewal, if you want a longer protection period, you can also consider Ping An e-Life Insurance 20 years.

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Ask about custom messages].

Why do depressed patients have a history of suicide and have been denied coverage on all risks more than 2 times.

Ping An e-life insurance, the insurance for depression is more relaxed, there is no need for **, depression patients can also buy, but all mental illnesses will be excluded from stuffy hand training. In addition, Ping An e-Life Insurance also has a 20-year guaranteed renewal, and if you want a longer protection time, you can also consider Ping An E Life Insurance for 20 years.

Hello, suffering from depression, the risk of suicide will indeed become higher, especially in the stage when the condition is good and bad, and the patient's self-proclaimed tendency will be higher. Insurance companies buy insurance to make a profit, all unwilling to buy, worried about risks, thank you! [

Hello, boss, this also fully reflects the limitations of commercial insurance, you can buy the leading medical insurance, thank you [ ].

Ask about custom messages].

Hello, according to statistics, 2% of patients with depression who only have a quiver type die by suicide, and the suicide rate of patients with major depression is 4%. This means that not all people with depression want to commit suicide, as long as they do it right, they can. Guess thank you [ ].

You didn't dig well, the cancer prevention medical insurance only reimburses the cost of cancer**, the health notice is relatively relaxed, and generally does not ask questions related to depression. [

Hello, boss, most of the accident insurance does not carry a health notice, usually as long as the sedan car is "able to work and live normally" can be purchased. For patients with mild depression, it is also possible to insure. Thank you ha!

It's not a question of what insurance you can buy, but what kind of insurance product you want to buy. It is recommended to find a business staff of an insurance company to inform him of your needs and wishes, and ask him to design a professional insurance product plan for you based on the above conditions on the premise of truthfully informing your health condition!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Many insurances cover patients with depression who have been stable for more than 2 years, so there are still many opportunities to actively cooperate with them. So what insurance can people with depression buy?

Almost all of the health notices of critical illness insurance contain mental illnesses, so if you are diagnosed with depression, you cannot apply for critical illness insurance online, so you can only try to apply for insurance offline or at an additional cost.

Patients with depression generally have sleep disorders, waking up early and no longer being able to fall asleep, and long-term symptoms such as fatigue, loss of appetite, weight loss, constipation, and body aches, so they need to take medication for a long time. Over time, drug dependence has formed, which can easily induce cardiovascular, immune system and other diseases.

Therefore, the underwriting of critical illness and medical insurance has strict requirements for depression.

On the other hand, Article 44 of Chapter 2 of the newly revised Insurance Law clearly stipulates that compensation shall not be denied to persons who are incapacitated for civil conduct (patients with severe depressive disorder). Therefore, in order to avoid claims, many insurance plans have clear health notices and are more stringent in the review of patients with depression.

Summary: For patients with depression, medical insurance does not support insurance and compensation; Critical illness insurance can be manually insured offline; Term life insurance cannot be applied for online, but after applying for insurance, you can be compensated if you are diagnosed with depression; The accident insurance part can be insured, and you need to carefully understand the exclusion clause.