Is it not possible for people with three highs to buy insurance?

It's not that patients with three highs can't buy insurance, but because of the high probability of insurance, insurance companies will be stricter and have many restrictions on the three highs.

Three-high patients see here to teach you how to apply for insurance: "Three-high group insurance strategy! That's the way to buy! 》

1. What are the "three highs".

The "three highs" usually refer to high blood pressure, high blood sugar, and high blood lipids. As the fast-paced and stressful life of modern people has become the norm, unhealthy behaviors such as heavy oil and salt dietary intake, staying up late and sleeping less sleep have become habits, and the "three highs" have long been younger.

What are the precautions for the second and third high people when applying for insurance?

1. Tell the truth.

Truthful disclosure is a basic principle that all people must abide by when applying for insurance, and only on the basis of truthful disclosure of this basic principle, the insurance contract you have purchased will have legal effect.

Conversely, if you choose to conceal your illness, you will not tell the insurance company the truth. Then, the follow-up claim may be delayed or the insurance company may refuse to pay, and the gains outweigh the losses.

2. Choose a critical illness insurance product with a relaxed health notice.

The three highs should try to choose insurance products with more relaxed health notices when applying for critical illness insurance, and different insurance companies and different insurance products will have different health notices.

3. Choose critical illness insurance with intelligent underwriting.

Friends who have bought insurance may know that in addition to intelligent underwriting, there are also manual underwriting.

Dad concluded that if you have indeed found physical abnormalities through the physical examination and want to apply for insurance, it is recommended to go through ** first, and control blood pressure, blood sugar, and blood lipids at a reasonable level to be more conducive to insurance.

Friends with three highs can still buy insurance, but the restrictions will be relatively large.

How should friends with three highs be properly insured? Daddy will teach you: "Insurance Strategy for the Three Highs Crowd!" That's the way to buy! 》

The common characteristics of the "three highs" are high prevalence, low control rate, and many complications.

It is conceivable that the probability of insurance for the three-high group is very high, so the insurance company will be stricter and have many restrictions on the three-high group.

1.Hypertensive patients are insured.

Normal high blood pressure, if there are no other health abnormalities or complications, generally does not affect the insurance;

Stage 1 hypertension also has the opportunity to buy critical illness insurance, which is generally excluded from medical insurance;

For stage 2 hypertension, critical illness insurance and medical insurance, most of them are not available.

2.Patients with hyperlipidemia are insured.

For patients with hyperlipidemia, medical insurance is still the most difficult type of insurance to insure, because medical insurance premiums are cheap and the sum insured is high, so health information will be stricter than other types of insurance.

Life insurance and accident insurance are easier to insure, and critical illness insurance should choose products with loose underwriting.

3.Patients with hyperglycemia are insured.

Although high blood sugar does not mean that you have diabetes, it is still possible to develop diabetes, and once you are diagnosed with diabetes, you basically cannot buy critical illness insurance, medical insurance and life insurance. Therefore, it is important to control your blood sugar and check your blood sugar regularly.

As long as the symptoms of the three highs are not serious, the body mass index is not exceeded, and no other diseases are caused, most products can be covered normally.

Pay more attention when applying for insurance: tell the truth, choose products with loose health notices and intelligent underwriting, and apply for insurance at the same time.

People with high blood pressure, high blood lipids, and high blood sugar are not allowed to buy insurance! However, you should not hide your medical history from the insurance officer or the insurance company.

Can people with three highs buy insurance?

The so-called "three highs" refer to high blood pressure, high blood lipids, and high blood sugar.

Whether you can purchase critical illness insurance if you have these three highs?

Let's look at the specific situation:

1. High blood pressure

Most critical illness insurance policies are basically denied coverage for high blood pressure. However, there are also a small number of products that provide a way for people with low-risk hypertension to be insured: as long as it is essential hypertension.

If the blood pressure value reaches the standard of level 1 hypertension and the onset of the disease occurs after the age of 30, it can be insured normally. If the blood pressure can be stabilized below 140 90mmHg through ** and medication, and no other risk factors or complications occur, it can generally be covered by standard or additional fees. There are also some products that can be purchased directly for high blood pressure below grade 2.

2. Hyperlipidemia:

In general, the main component of lipids in blood is triglycerides.

and cholesterol. Hyperlipidemia refers to high blood lipid levels, which can directly cause some serious diseases that endanger human health, such as atherosclerosis and coronary heart disease.

pancreatitis, etc. Critical illness insurance: as long as fatty liver is not present at the same time.

Other abnormalities such as liver function are generally not greatly affected.

3. Hyperglycemia:

The fasting blood sugar is below normal, and the normal blood sugar is below two hours after a meal, and if it is above this range, it is called hyperglycemia.

Under normal circumstances, the human body can ensure that the blood sugar is balanced through the two regulatory systems of hormone regulation and neuromodulation, so that blood sugar can be maintained at a certain level. However, in the case of genetic factors such as diabetes.

family history) and environmental factors (such as irrational diet, obesity, etc.) can cause a disruption of the two regulatory functions, resulting in an increase in blood sugar levels.

Applying for critical illness insurance: Generally, there is no restriction on diabetes insurance, and there is no requirement for high blood sugar, so you can apply for insurance normally.

People with three highs have the opportunity to buy critical illness insurance, but not every critical illness insurance on the market can participate in the purchase! At present, some critical illness insurance products on the market still have requirements for the three highs, and some insurance companies will have stricter requirements, such as people with high blood pressure among the three highs, and most critical illness insurance on the market requires systolic blood pressure not to exceed 150mmHg, or diastolic blood pressure to not exceed 100mmHg. Therefore, for those with high blood pressure whose systolic blood pressure and diastolic blood pressure are higher than this standard, they may not be able to apply for critical illness insurance normally!

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It is recommended that the three highs should pay attention to the following points when purchasing critical illness insurance:

1.Choose a reliable insurance company and understand the coverage and premium information of the insurance type to avoid being deceived by bad insurance products.

2.Choose the right type of insurance according to your own situation to avoid excessive financial burden caused by insurance with high sum insured and high premiums.

3.When purchasing critical illness insurance, you should carefully read the terms of the insurance contract to understand the coverage and exclusion clauses of the illness.

In short, it is very necessary to choose to purchase critical illness insurance among the three highs, support reasonable insurance, and improve the quality of life.

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Whether the three-high group can buy critical illness insurance depends on the specific situation. If you are only a person with mild three highs, as long as you meet the content of the health notice, you usually have the opportunity to buy critical illness insurance. For example, if the blood pressure control is relatively stable and there are no other complications, there is still a chance to be insured.

However, if you have severe three highs, you may be denied insurance to a large extent because the health notice of critical illness insurance will be stricter. However, the health notice for individual critical illness insurance may be more relaxed, so the specific health notice needs to be subject to the specific health notice.

If you have any other questions about the content of the health notice, you can also take a look at this article: Is the health notice of the insurance company making it difficult for us?

There may be friends who don't know much about health notices, so let's introduce the content of health notices to you.

Health notice refers to the description of the health condition that the insurance company requires the consumer to fill in when applying for insurance. Here, the senior sister would like to remind everyone that when the three highs are informed, they must be truthfully informed. If you hide your physical condition from the insurance company, the insurance company can also refuse to pay when you have an accident in the future.

But in fact, health notification is not so terrible, when carrying out health notification, we only need to follow the principle of "answer what you ask, if you don't ask, don't tell it".

If you can't buy critical illness insurance because of the three highs, you might as well consider the "gospel" of the three highs - cancer insurance.

Cancer insurance is generally known as insurance to protect cancer, and compared with critical illness insurance, the health notice of cancer insurance will be more relaxed, and generally the three highs can also be insured. It is very friendly for those who have a small physical condition and cannot take out critical illness insurance.

Summary. Hello dear, happy to answer your <>

The insurance that can be bought by the three high-level people includes: accident insurance, annuity insurance, property insurance and other insurance products that have little to do with health, which are basically not restricted. When buying medical insurance, critical illness insurance and life insurance, you need to make a health notice, and you can only apply for insurance after being approved by the insurance company, and patients with severe three highs may be denied insurance.

Cancer insurance and cancer medical insurance only cover cancer, and the health requirements are relatively relaxed, and people with three highs can also buy it.

Three high-level people, what insurance can you buy.

Dear, hello, very happy to talk about sails to answer your <>

The insurance that can be bought by the three high-level people includes: accident insurance, annuity insurance, property insurance and other insurance products that have little to do with health, which are basically not restricted. When buying medical insurance, critical illness insurance and life insurance, you need to make a health notice, and you can only apply for Yeshi after being approved by the insurance company, and patients with severe three highs may be denied insurance.

Cancer insurance and cancer medical insurance only cover cancer, and the health requirements are relatively relaxed, and people with three highs can also buy it.

There is a specific insurance for kissingThe health notice of this product is relatively relaxed, and it is very friendly to the people of the three highs, not only the three highs, but also chronic diseases such as fatty liver and hepatitis can also be insured. Rantan 2

Ping An i Kangbao Elderly Medical Insurance (Three High Version) is a medical insurance product specially designed for the elderly, the three high groups can be insured, and the protection content is richer, in addition to cancer protection, you can also add accident protection. 3.Although the reimbursement threshold of this product is relatively high, it is very friendly to the three highs of the human limbs and gods, which greatly reduces the health requirements of the underwriting of the three highs.

The three highs refer to high blood pressure, high blood lipids, and high blood sugar, which are collectively referred to as the three highs. If you get any of them, it is very likely that you will not be able to buy critical illness insurance and medical insurance. But you can also have the following three types of insurance, which is better than nothing.

The first type, accident insurance, accident insurance protects accidental injury, and the probability of an accident is not directly related to your personal health status. Therefore, the three high people can buy with confidence.

Second, cancer insurance, the incidence of cancer has always ranked first in the incidence of critical illness. Cancer accounts for more than half of critical illness insurance claims. But if you have three highs, it is very difficult to buy critical illness insurance.

If you don't change your pretense and get diagnosed with cancer, he will give you a sum of money to spend at will, at least better than nothing.

The third. Cancer medical insurance. We can understand it as medical insurance that only covers cancer, and if you are unfortunately diagnosed with cancer, he will reimburse you for the cost of hospitalization**.

The general medical insurance health notice is strict. If you get the three highs, you basically can't buy it, but we can also buy cancer prevention medical insurance with a relaxed health notice.

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

As for what insurance to buy, in fact, the insurance products suitable for people of different ages are not the same, such as the elderly with three highs, you can consider critical illness insurance, medical insurance and accident insurance and other products, and people in their thirties and forties can add another life insurance.

How to buy insurance for different age groups? Everyone should have their own plan

1. Critical illness insurance.

Critical illness insurance, also known as critical illness insurance, is mainly used to protect critical illnesses, such as the insured's illness**, loss of income compensation, and payment of family expenses.

The probability of suffering from cardiovascular and cerebrovascular diseases is still relatively high, and a little attention may develop into a critical illness, so it is still necessary to buy critical illness insurance.

A comparison table of 136 popular critical illness insurances in China

2. Medical insurance.

Usually, as long as the medical expenses incurred in hospitalization can be reimbursed, which is suitable for people of all ages to be insured by Fengdanqiao.

Moreover, many medical insurance often only a few hundred yuan a year, you can buy millions of insurance amounts, and the cost performance is still very high, which is very suitable for people with poor physical condition.

3. Accident insurance.

Accident insurance mainly covers accidental injuries, and if the insured person is insured due to accidental injuries and meets the claim criteria, he can apply for a claim.

Whether it is a three-high group or a healthy ordinary person, it is suitable to buy accident insurance, and there are few health notices of accident insurance, and some products do not even have health notices, which is suitable for everyone to insure.

4. Life insurance. Life insurance is based on the life of the insured person, and if the insured dies due to illness, accident or other circumstances, the beneficiary can receive a lump sum compensation, this type of insurance is generally more suitable for the breadwinner of the family.

If the three-high group bears the heavy responsibility of the family, you can consider buying it later.

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

That's all there is to it, hope.