Can lung nodules critical illness insurance be insured, and what insurance can I buy for lung nodule

Critical illness insurance does not cover lung nodules. If a lung nodule evolves into a malignant one, it will become lung cancer, then critical illness insurance can be covered and is a malignant tumor. Pulmonary nodules are often divided into benign and malignant categories, often without obvious symptoms, ** mainly smoking, haze, occupational factors and chronic inflammation.

1. For pulmonary nodules found for the first time, it is necessary to understand **, and provide the first examination report and subsequent re-examination of lung CT:

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. Whether lung nodules can buy critical illness insurance is mainly carried out by judging the benign and evil nature of the nodules

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.

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

Critical illness insurance: malignant tumors of the lungs are usually excluded; Medical insurance: Exclusions and denials are usually considered;

3. The possibility of malignancy is high.

Coverage is usually extended or denied.

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If the conditions are met, that is, there are only 1 2 nodules, non-multiple, the maximum diameter is not more than 5mm, and there is no malignant risk warning such as "irregular morphology" and "lobulation" in the nodule examination report, you have the opportunity to be insured. [Click to get a free 1-to-1 insurance consulting service].

The underwriting risk control standards of each insurance company are different, in this one may be able to underwrite normally, that one needs to be excluded from liability or additional fees, which is very likely to happen, lung nodules can buy critical illness insurance or not, mainly by judging the benign nature of the nodules: if it is a benign lesion, critical illness insurance: usually can be underwritten normally, consider the increase; If it is benign but malignant cannot be ruled out, critical illness insurance usually excludes lung malignancy; If it is more likely to be malignant, it is usually extended or denied; As long as you submit CT or X-ray imaging data, tumor marker examination, and histopathological biopsy report within half a year, everything will be handed over to the insurance company for processing.

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Summary. Hello, generally after the detection of lung nodules, if the surgical resection and recovery is good, it will be relatively easy to apply for critical illness insurance, such as Darwin No. 6, Worry-Free Life 2022, i Worry-free, etc.

Hello, generally after the detection of pulmonary nodules, if the surgical removal and recovery is good, the insurance of critical illness insurance will be relatively easy, such as Xiang Na Xi said Darwin No. 6, Worry-free Life 2022, i Worry-free, etc. have the opportunity to be underwritten normally.

The risk of unoperated pulmonary nodules is relatively larger, so everyone naturally has a lot of restrictions when buying insurance. Most critical illness insurance policies will be directly denied, and there are very few that have a normal or excluded chance of coverage, and iWorry-Free is one of these very few.

iWorry-free's underwriting requirements for unoperated pulmonary nodules are very clear. If the conditions are met, that is, there are only 1 2 nodules, non-multiple, the maximum diameter is not more than 5mm, and there are no malignant risks such as "irregular morphology" and "lobulation" in the nodule examination report, you will have the opportunity to insure.

If Hongsen can then meet the requirements, it can be directly underwritten normally; If you do not meet the requirements, you can also exclude the coverage, that is, the malignant tumor of the lung and carcinoma in situ of the intolerant spring will not be covered, but other benefits will not be affected.

For unoperated rough lung nodules, in addition to the i worry-free rubber stool hall can be insured, there is also a chance that Zhonghe Chaoyue No. 1 will be underwritten by Liang Yin normally, and Tongfang Global Versailles Plus may be excluded from the coverage; However, these two products will be relatively expensive, which is suitable for friends with a more budget.

In addition to critical illness insurance, what other products can be considered when buying term life insurance, accident insurance and million medical insurance for friends who have found out for pulmonary nodules? We can pick and choose based on the following tips: Term Life Insurance:

You can choose products that do not ask about lung nodules, such as Optimus Prime 7, Yimaixiang Orange, etc. Accident insurance: The health requirements are relatively relaxed, and most products will not ask about pulmonary nodules, so you can buy them directly, such as the Bureau Bee No. 2 Transcendence Edition.

Million medical insurance: health requirements are relatively strict, most of the health notice of the product will be noisy will ask Zhila to serve the lung nodules, after doing a good job of intelligent underwriting, there is a chance to underwrite normally or exclude coverage, you can consider the products of medical insurance plus, good medical insurance (6 years 20 years) and so on.

Because of the feast when insuring millions of medical air and land therapy insurance, the underwriting conditions for Douzhiqing pulmonary nodules are also more complicated, we have sorted out the underwriting conditions of some popular products, and friends who need it can refer to the following **:

If you can't buy these products, you can take the test for Weibao Puhui Paichong Medical Insurance or local Huimin Insurance, the health requirements of these products are very relaxed, and you can also buy Sun Coarse Lung Nodules.

It is best to buy accident insurance and life insurance that do not involve health notice, so as to avoid the question of failure and "whether you have ever been able to withstand being covered by additional conditions".

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.

Even she didn't even have a standard for grading such a thing, and now she was weighing what looked like a lot of small lesions, although it was said that it came 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 refusals, but we also found that some insurance companies are still 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.

You can buy insurance for pulmonary nodules, and you should choose different types of insurance according to different needs, and you can do a good job of health notification before insurance.

For those who don't know much about health notification, you can take a look at this article: "What is the obligation to tell truthfully?" 》

Pulmonary nodules are common diseases of the lungs, with a relatively high incidence rate and a relatively high chance of cancer, which is a disease that threatens the lives of patients. So what are the requirements for insurance for patients with pulmonary nodules in the nuclear segment?

1. Critical illness insurance.

Critical illness insurance has requirements for lung nodules, and few products can be insured. After the implementation of the new regulations, there are still very few new critical illness insurance, and the specific insurance needs to be determined by looking at the requirements of each product for pulmonary nodule insurance, and you can choose a product with loose underwriting.

2. Medical insurance.

Medical insurance is the most stringent product for diseases, and you basically can't buy medical insurance, so you can consider taking a look at cancer prevention medical insurance.

3. Life insurance. Life insurance does not have particularly strict requirements for health notification, and you can find some products with loose underwriting for underwriting, which can generally be insured normally.

4. Accident insurance.

Accident insurance does not have much requirement for health status and can be insured normally.

Daddy concluded: After the introduction of the new regulations on critical illness, many insurance products have relaxed the policy of underwriting policy, which is beneficial to consumers, so that patients with pulmonary nodules can see hope, and they can also get disease protection.