Does small lung nodules affect buying insurance, and can you still buy insurance if you have lung no

Small nodules in the lungs.

Whether it affects the purchase of insurance depends on the type of insurance purchased and the severity of the nodules. There are pulmonary nodules.

Take out health insurance, such as critical illness insurance.

Medical insurance, life insurance, need to truthfully inform the health situation, the specific results of insurance, depending on the nodules ** and benign and malignant, may be normal insurance, may or may be excepted, may also be extended or refused insurance additionally. If you have accident insurance.

Generally, there is no need to inform the condition of lung nodules, and they can be purchased directly.

1. For pulmonary nodules found for the first time, it is necessary to understand that ** may be insured normally, or may be excluded, or may be postponed or refused. , provide the first examination report and the follow-up CT of the lungs

2. If it is not the first time to find it, provide two CT reports with an interval of at least half a year or more to try to apply for insurance;

If the pulmonary nodule has been surgified**, according to the assessment of pathological results, the benign pathology can be tried to insure, but the malignant one cannot be insured. And nodules in the lungs.

Whether you can buy critical illness insurance is mainly carried out by judging the benign and evil nature of the nodule

1. Consider it a benign lesion.

Critical illness insurance and life insurance can usually be underwritten normally, and additional fees are considered; Medical Insurance: Exclusions may apply.

2. Benignity is considered, but malignancy cannot be ruled out.

Critical illness insurance: Lung malignancy is usually excluded.

Medical insurance: Exclusions and denials are usually considered;

3. The possibility of malignancy is high.

Coverage is usually extended or denied.

Test your anti-risk index, experts will interpret it for you for free!

Small lung nodules can affect the purchase of insurance to a certain extent, especially health insurance products. After all, health insurance products have strict requirements for the physical health status of the insured, and if the health insurance product you want to insure asks about small lung nodules, you need to seek truth from facts, and do not fake or maliciously conceal it.

Ultra-complete! Everything you need to know about insurance is here.

So in the next time, the senior sister will introduce to you the group with "small lung nodules", what should be paid attention to when applying for insurance! Don't talk nonsense, go straight to the dry goods!

First of all, groups with small lung nodules must pay attention to seeking truth from facts and health information when applying for insurance.

However, if you are told by the insurance company that you do not meet the health requirements of the corresponding product when making health notices, it is indeed difficult to successfully apply for insurance.

Moreover, it is more important that when the insured person makes a health notification, the statement made by the insured person should be comprehensive, truthful and objective, and should not be concealed or deliberately not, nor should it be fabricated to deceive the insurance company.

However, for questions that are not mentioned by the insurance company, we do not need to take the initiative, and follow the principle of "answer if you ask, don't ask and don't answer".

Is the health notice of the insurance company making it difficult for us?

For people with diseases such as small lung nodules, the insurance products available in the market will definitely be limited, but this does not mean that such groups cannot insure any insurance products.

Taking health insurance as an example, people with small lung nodules should try to choose products with more relaxed health notices to insure, so as to increase the likelihood of successful insurance.

So what are the critical illness insurances on the market with relaxed health notices? Senior sister will tell you in one article:

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

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.

Buying medical critical illness insurance cannot guarantee 100% insurance, but you can inform in advance, submit medical records, let the insurance company underwrite, if the condition is not very serious, you can still be insured, if you insure annuity insurance accident insurance does not matter,

Why are insurance companies so strict about underwriting pulmonary nodules?

As I just said, the very low proportion of pulmonary nodules is the probability of malignancy, but no one knows whether the nodule is benign or malignant until the pathological diagnosis is obtained.

She doesn't even have a standard for grading such a thing, and now it looks like a lot of small lesions, although it comes out of this small nodule.

The cancer that came out is an early-stage cancer, but don't forget that cancer has to be compensated, let's not distinguish, there is no mild or severe lung cancer, he can pay for it.

So, if it's a nodule, you have to be very, very cautious in underwriting.

Most of them are denied, but we have also found that some insurance companies are more friendly.

For some partial nodules, when his description is ideal, he will ask you if you are older, if you are older.

Younger, thirty-five, or under fifty.

The first thing to consider is age.

The second is that there is not only one lung nodule.

Clause. 3. Look at the size of the nodule and whether it is very small.

Generally speaking, it must be less than 5 mm, 4 mm or even smaller, this is called a micronodule.

There are also the manifestations of malignancy just mentioned, burrs, blood vessels, lobulation, cavities, are these all there?

In addition, there is whether it is maintained for a period of time.

It was indeed closely observed and followed for a period of time.

There is no change, I think it is a stable nodule.

Then some insurance companies think that the probability of benign will be a little larger.

Then it is possible to make an exception for a critical illness.

There is also a pure body examination, which is just a very small nodule, and there are individual products that can be covered by the standard.

How to buy insurance for pulmonary nodules? Deal with 100 cases so that you can buy insurance normally.

Patients with pulmonary nodules can buy accident insurance and life insurance normally, but if they want to buy medical insurance, it depends on the size, nature and whether the lung nodule has been surged.

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 thyroid nodules, 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 first nodule of the lungs is more complex, there are about 80 kinds, including various benign lesions (inflammatory proliferation, benign tumors), precancerous lesions (atypical adenomatous hyperplasia) and malignant lesions (lung cancer) can be manifested as pulmonary nodules, and the differential diagnosis is more difficult.

Moreover, compared with other cancers, the prognosis of lung cancer is poor, and insurance companies are 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;

2. Nodule diameter;

3. Multiple (2) ground-glass nodules.

4. Failure to follow up regularly as recommended by the doctor;

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

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.

It's hard to receive! The most common nodules we usually have are thyroid nodules and breast nodules, which are generally through grading and identification, and intelligent underwriting can directly conclude whether it can be insured, but once it encounters lung nodules, it is difficult to do.

Although only about 4% of lung nodules have the possibility of malignant transformation, after all, insurance companies are not charities, and the risk is very strictly controlled.

Because, at present, lung cancer is the first in men except for thyroid cancer.

First, the second most common cancer in women, and the mortality rate accounts for the first place in cancer, insurance companies must be highly vigilant.

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.

Generally speaking, if you have a small lung nodule, you will not have any impact when you buy an insurance product that is not very strict with the health requirements of the insured, such as accident insurance, and you can buy it; However, if you purchase critical illness insurance, medical insurance and other health insurance with health requirements, then there may be restrictions, such as purchasing critical illness insurance, if the lung nodule has been surgical** and the pathological results are benign and there are no other complications, it can generally be excluded from coverage, otherwise it is likely to be denied.

Extended Materials. Insurance Classification:

1. Life insurance.

Life insurance is insurance that takes a person's life and body as the subject of insurance. Including life insurance, health insurance, accident insurance and other insurance business.

1. Life insurance.

Life insurance is a kind of insurance that takes the life of the insured as the subject of insurance and the life or death of the insured as the condition for the payment of insurance money. Its main business types are: term life insurance, whole life insurance, comprehensive life insurance, annuity insurance, investment-linked insurance, participating life insurance and universal life insurance.

2. Health insurance.

Health insurance is a kind of life insurance business that takes the body of the insured as the subject matter of insurance, so that the insured can be compensated for the expenses or losses incurred in the event of injury caused by illness or accident. Its main business types are: medical insurance, sickness insurance and income compensation insurance.

3. Accident insurance.

Accident insurance refers to a kind of life insurance that takes the body of the insured as the subject of insurance and takes the death or disability of the insured caused by accidental injury as the condition for the payment of insurance benefits. Its main business types are: general accident insurance, specific accident insurance, etc.

2. Property insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. Including property damage insurance, liability insurance, credit insurance and other insurance business.

Property damage insurance is insurance that takes all kinds of tangible property as the subject of insurance. Its main business types include: enterprise property insurance, family property insurance, transportation insurance, cargo transportation insurance, engineering insurance, special risk insurance and agricultural insurance.

1. Liability insurance.

Liability insurance refers to insurance that takes the insured's liability for property damage or personal injury to a third party as the subject matter of insurance. Its main business types are: public liability insurance, product liability insurance, employer's liability insurance and professional liability insurance.

2. Credit insurance.

Credit insurance is insurance that takes various credit behaviors as the subject of insurance. Its main business types are: general commercial credit insurance, export credit insurance, contract guarantee insurance, product guarantee insurance and loyalty guarantee insurance.

Although people's living conditions are getting better and better, and food and clothing are much better than in the seventies and eighties, the probability of disease is also getting higher and higher. Therefore, people with slightly better family conditions will go to the hospital regularly every year for a comprehensive physical examination, find the problem early, and carry out it earlier. Among them, small nodules in the lungs are the most common phenomenon in physical examinations, so whether you can buy insurance for this physical condition is also a question that many people are very concerned about.

Generally speaking, before purchasing life insurance, it is necessary to undergo a physical examination to ensure that the insured does not have any diseases, which is also to prevent the insurance company from suffering financial losses. Usually, once there are some hidden diseases, then the insurance company will refuse to buy the corresponding type of insurance. Although the small nodules in the lungs seem to be no major problem at present, they are likely to evolve into more serious diseases in the later stage, so there are some insurance plans that cannot be purchased.

Regular medical check-upsMost insurance companies will directly refuse when they see that the insured person's medical examination report has tiny lung nodules, although it sounds very cruel, but it is also a human nature. It is recommended that people with tiny nodules in the lungs should stop considering sickness insurance as a type of insurance and that they must be reviewed once or twice a year to ensure that these tiny nodules do not develop malignant lesions.