How do you define a hereditary disorder when buying insurance?

When buying insurance, it is necessary to determine whether it is a hereditary disease from the hospital's diagnosis and pathology report. Genetic disorders.

Refers to diseases caused by mutations or malformations in the genetic material (chromosomes and genes) of germ cells or fertilized eggs, usually characterized by vertical transmission from parents to offspring. Have a genetic disorder.

History is not able to buy insurance, but it is not excluded that some insurance companies can be insured, you can inform your situation when you apply for insurance, and then carry out insurance approval, if you can successfully apply for insurance, will add a statement on the policy, this genetic disease and some other diseases caused by this disease will not be compensated.

Under critical illness insurance.

According to the terms, congenital malformations or chromosomal abnormalities and hereditary diseases are not eligible for compensation, such as neural tube defects and phenylketonuria.

Rabbit lip, albinism.

High myopia, hemophilia.

Wait. However, some insurance companies have a more humane product design, and if the insured suffers from a congenital or hereditary disease, but does not know it before applying for insurance, it is an insurance liability.

Of course, if the insured person has symptoms or knows about his illness before the insurance is still insured, it will be regarded as a failure to inform the pre-existing condition before the insurance is applied and the claim will be denied. Most critical illness insurance.

The product first contains a kind of critical illness that must be insured, and the rest is determined by the insurance company according to the CIRC.

Therefore, when choosing, you should pay attention to the reasonable allocation of insurance items suitable for you according to your personal needs and the responsibility of disease protection. When you take out an insurance policy, you must fulfill your obligation to be honest and understand the terms so that you can provide yourself with good health protection.

In early health insurance, the insurance clause generally stipulates that "it shall not be liable for the payment of insurance benefits for congenital diseases, congenital malformations, and hereditary diseases". However, with the development of the insurance industry, the probability of occurrence of congenital diseases and hereditary diseases has become measurable, and the product design of some insurance companies is also more humane. In summary, it can be seen that whether a claim for a hereditary disease can be made depends on the insurance terms of the health insurance, so consumers need to have a clear understanding of the insurance terms when applying for insurance to ensure that they can get the best protection.

If there is such a family inheritance in the family, it is a hereditary disease, and the insurance company will not buy insurance for such a situation.

It should be based on the family's medical history, if there is such a medical history, this line will be excluded, and a physical examination is required before buying insurance.

You should look up your own medical treatment, and you should also look up your own genetic diseases, so that you can define them, and the results are particularly good.

You can ask the hospital to issue a relevant certificate, because when you want to buy insurance, you must have a relevant certificate from the hospital if you want to buy a hereditary disease.

If the insured has a family history of inheritance or hereditary diseases, it is first necessary to determine that they can be insured according to the specific circumstances, and some insurance companies will be able to provide protection for the insured with hereditary diseases according to the different types of diseases. Under normal circumstances, in the case of a family genetic disease, the insured must truthfully inform the insurance company, the insurance company will underwrite the insured, review the health status of the insured, and divide the risk level.

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

1. Social security for people with congenital genetic diseases can be purchased, but commercial insurance is a different matter. Since insurance provides coverage for unidentified risks, and pre-existing conditions are pre-determined risks, it is not possible to be covered by health insurance. In addition, in general, life insurance companies are more stringent in underwriting pre-existing conditions, and underwriters make underwriting decisions.

If the underwriting result is considered to be complete**, it can be covered at the standard rate if it is a standard body (the risk is comparable to that of a healthy person).

When designing the insurance type to determine the rate, the health insurance also excludes the risks that have been determined before the insurance, such as congenital diseases and pre-existing diseases. Therefore, when applying for insurance, you must see the exemption clause in the insurance contract to return the money. Reminder:

Please be honest about your health during the insurance application process. Insurance is for the insured to be in good health.

2. Precautions for applying for health insurance:

1. Tell the truth when applying for insurance, if it is underwritten by the insurance company, there is no problem;

2. The underwriting may require a physical examination - the medical examination of the insurance company is to judge whether there will be risks in the future at a certain period of time;

If the medical examination is normal--- normal coverage, if you need to pay more--- it is best to cover it more.

It mainly depends on what kind of genetic disease it is, and if it is not serious, it can be covered at an additional cost, but it must be truthfully informed.

Only social insurance can be reimbursed, there are two kinds of commercial insurance that do not report, one is your situation, congenital disease, and the other is that the insurance has been obtained, so don't listen to their salesman flickering, it is impossible to get a claim, when the money is thrown into the water in vain and causes a bunch of trouble, you think that people's commercial insurance itself is to make money, that is, it is completely in line with the conditions of the claim and be cautious and prudent. How can it be easy for you to take advantage of a loophole, I wish you good luck Xiaobao, as soon as possible, don't be deceived, money is not easy to come by after all, right.

It can be bought, but it is exempt from the corresponding insurance liability for the disease.

Most critical illness insurance companies do not cover critical illnesses caused by hereditary diseases, and the diseases covered by critical illness insurance products launched by major insurance companies will not include hereditary critical illnesses, and there will be a clause in the liability exemption clause of the insurance contract for "congenital diseases, malformations or defects, hereditary diseases", and the insurance company will not be liable for insurance payment in this case.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it! 》

Hello! Hereditary diseases are the eighth exclusion clause expressly listed in critical illness insurance, and the insurance company is not liable to pay the insurance benefits. Therefore, it is not possible to take out critical illness insurance for general hereditary diseases. Specifically, it also requires the specific interpretation of the insurance clause of the insurance company.

Here are a few principles for choosing critical illness insurance for your reference, we believe that there is no best insurance, only the most suitable insurance product.

1. It is advisable to have more than 25 types of critical illness benefits; Must include total disability and death benefits;

2. Critical illness insurance should preferably have dividends;

3. Return time for major illnesses; The return should preferably be the sum insured;

Fourth, the background and past experience of the insurance company are also important;

Fifth, how much insurance amount to buy.

6. It is better to buy long-term insurance than to buy consumer insurance, and the premium is more moderate to pay for 20 years.