Can chronic gastritis be reimbursed by commercial insurance, and can chronic gastritis medical insur

Truth be told, commercial insurance does not reimburse for chronic diseases.

If you have additional hospitalization, hospitalization for the condition may be reimbursable.

Of course, you will also need to take out medical hospitalization insurance.

Generally speaking, acute gastritis is promising.

Or is chronic superficial gastritis, although not promising, but these two diseases.

It will not affect the underwriting of critical illness, even if it is noted. It can be insured normally, so the atrophic gastritis is different, especially the severe atrophic gastritis has a relatively obvious probability of carcinogenesis in the future.

Therefore, underwriting is quite cautious, generally speaking.

If the product sold online is atrophic gastritis, he usually has a relatively simple and crude method: refusal of insurance.

So do you think we have a chance to buy it?

We can try some offline traditional business, which can be manually underwritten.

At this time, we need to provide some medical records of the visit, as well as some of our follow-up gastroscopy reports.

It needs to be proven that this client's current atrophic gastritis is not serious.

And it is relatively stable, so at the same time, if the age is relatively young, then there are some products that can still take care of serious illnesses, but there may be some small increases or stomach cancer.

This is some of the offline businesses we are talking about, so what about medical insurance, and critical illness insurance.

There is a place where the views are more compatible, if everyone is atrophic gastritis.

Generally speaking, medical insurance is. Then if it is superficial gastritis or acute gastritis.

It can still be insured, but gastritis is a relatively recurring disease, so there will be exclusions in this disease medical insurance.

Can I buy insurance if I have gastritis? Do I need to inform the insurance company when I apply for insurance?

Legal analysis: reimbursement, everything within the scope of reimbursement stipulated by the state can be reimbursed.

Legal basis: Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Inpatient medical records must be provided, and the insurance company will be able to respond depending on the situation.

Nowadays, many people will participate in medical insurance, so that when they see a doctor, they can use medical insurance for reimbursement, which can greatly reduce the burden of seeing a doctor.

Is insurance reimbursable? Let's take a look at it below.

Medicare reimbursement. The medical expenses of acute gastritis can be reimbursed by medical insurance. According to the current regulations, the cost of medical insurance reimbursement is mainly limited to the medical insurance catalog.

Hospitals, drugs, and ** items specified in the medical insurance can be used for reimbursement by medical insurance, which is a place to pay attention to.

Health insurance. Paid jointly by the employer and the individual, and the medical insurance can not be reimbursed immediately after the insurance, taking the employee medical insurance as an example, generally the current month of insurance, until the next month can be reimbursed, if you have stopped paying for a period of time, some areas may have to pay for 3-6 months in a row to reimburse.

Insurance can be purchased.

For one of the pre-existing conditions: gastritis, the insurance company does not refuse to insure. In the insurance industry, the phenomenon of "whether you can buy insurance if you have these serious illnesses" is called "pre-existing conditions".

If there is a pre-existing condition, the insurer must inform the insurance company in detail when applying for insurance, and if there is any deliberate concealment or negligence, or false statement, which is sufficient to change or reduce the insurer's estimate of the risk, the insurer may terminate the contract.

It depends on the condition of the stomach problem and what kind of insurance you have purchased, such as:

1.Accident insurance: Most people don't need to be informed about their health, so even if you have a stomach problem, you can buy it directly. If it is an accident insurance that requires health notification, it is generally more relaxed, and general stomach diseases do not affect the insurance of the royal destruction section, but if it is gastric residual cancer, then it cannot be insured;

2.Buy medical insurance: Health notices are strict, but if it is only acute gastritis and a single episode is not accompanied by other symptoms, it is usually covered as standard. However, if it is chronic gastritis, then it will generally be covered at an additional cost, and if the condition is serious, there is also the possibility of denial of insurance;

3.Buy critical illness insurance: health notification is required, for example, if it is not chronic atrophic gastritis or autoimmune gastritis, and there is no abnormal examination or hospitalization, it can generally be covered as standard; However, if it is Zhenyu chronic atrophic gastritis or autoimmune gastritis, it is generally not insured;

4.Life insurance: The health notice is more relaxed, for example, the health notice of a term life insurance stipulates that if it is not atrophic gastritis and there are no complications, it can be covered as standard.

Hello, chronic gastric disease can generally be insured, but it also depends on the classification of chronic gastric disease. Stomach problems can be big or small, and different levels of stomach problems have different effects on the purchase of insurance. Doing a good job of health notification before applying for insurance will not affect the later insurance claims.

Friends who are not particularly familiar with health information can take a look at this article "What is the obligation to tell truthfully?" 》

Having chronic stomach problems is insurable. Generally speaking, we can apply for online critical illness insurance, accident insurance, life insurance and medical insurance. Among the four major types of protection insurance, accident insurance generally does not require health notice.

Therefore, Daddy focuses on analyzing how to apply for online critical illness insurance, life insurance and medical insurance for common stomach diseases.

How to insure against stomach problems? You might as well take a look at this: "Can stomach problems be insured?" How to buy insurance for stomach problems? 》

Gastritis Critical Illness Insurance Underwriting Results.

Acute gastritis, as well as chronic superficial gastritis, are usually not affected.

Non-atrophic gastritis is usually covered normally.

Atrophic gastritis (no intestinalization, no intraepithelial neoplasia) may be excluded or covered at an additional cost.

Presence of intestinal intestinalization (absence of intraepithelial neoplasia) may or may exclude coverage.

Presence of intraepithelial neoplasia, usually denied or postponed; If it has been surgically removed, there is still a chance that it will be excluded.

Gastritis medical insurance underwriting results.

Superficial gastritis is basically excluded, except for a recent history of acute gastritis, and atrophic gastritis medical insurance is denied.

Non-atrophic gastritis is generally excluded from coverage.

Atrophic gastritis (no intestinalization, no intraepithelial neoplasia) may be excluded and may be denied.

If there is intestinal intestinalization (no intraepithelial neoplasia), there is a high probability of rejection, and there is a certain chance that the insurance will be excluded.

Presence of intraepithelial neoplasia, generally denied insurance;

If the lesion has been surgically removed and there is no ** for a long time, there is still a certain chance that the coverage may be excluded.

Gastritis life insurance underwriting results.

Non-atrophic gastritis is usually covered normally.

Atrophic gastritis (no intestinalization, no intraepithelial neoplasia) is usually covered at an additional cost. Presence of intestinal intestinization (no intraepithelial neoplasia), which may result in an additional fee or denial of coverage.

Presence of intraepithelial neoplasia, usually denied or postponed; If the lesion has been surgically removed and there is no ** for a long time, there is still a certain opportunity to be covered at an additional cost.

Write at the end. When buying commercial insurance, liver cyst underwriting is a very professional thing, and it has high requirements for patience and health information interpretation, so it is recommended to take a magnifying glass to look at it several times + seek professional help.

Of course, there are thousands of diseases, and the same disease may have different manifestations, and if you have some physical conditions, don't be discouraged.

Can I buy insurance if I have gastritis? Do I need to inform the insurance company when I apply for insurance?

How to buy critical illness insurance? Can you still buy it if you have stomach problems?

Slow stomach problems depend on what kind of condition you have. If you have accident insurance, this is not a problem. If you buy health care insurance, if it does not exceed the insurance company's share of exemption from physical examination, as long as you tell the truth, the company will give you a plan according to your specific situation, and if you need a physical examination, you will be generous to do this physical examination.

If you pass the medical examination, the insurance company will not let you buy it. If there is a problem with the physical examination, you can treat it appropriately according to your condition. It may increase the cost of your insurance, but it's better than not being able to cover it at all.

If you are honest when you apply for insurance, you may need a medical examination.