Can breast nodules buy critical illness insurance, breast nodules can buy critical illness

Breast nodules are a symptom that is commonly seen in breast hyperplasia (which can form breast cysts) and neoplastic diseases of the breast, including benign breast tumors (such as breast fibromas, lobulated tumors, etc.) and malignant tumors of the breast (breast cancer). Breast nodules may not be able to buy critical illness insurance, depending on the health requirements of the type of insurance, the size and severity of the nodules, combined with the insurance company's underwriting rules, and comprehensively measured. The underwriting result may be a denial, extension, exclusion, or standard underwriting.

At present, as long as the insured has undergone surgery**, and the pathological results are benign, and there is no abnormality in the breast ultrasound reexamination within half a year, then it is usually possible to purchase critical illness insurance products in a standard body.

If the insured person did not pass the surgery**, but had a breast ultrasound examination within six months, then according to the grading, the insurance company will make a decision to exclude coverage (accept the insurance, but the insurance company will not be liable for the payment of insurance benefits when the insured suffers from breast carcinoma in situ, breast malignancy and its metastasis, **) and refuse insurance.

If the insured person does not have surgery** and does not have a breast ultrasound within six months, he or she will not be able to purchase a critical illness insurance product.

To buy critical illness insurance for breast nodules, you need to look at the classification of breast nodules, which are as follows:

1. Breast nodules are graded as grade 1-2 and basically do not cause malignant lesions, so the insurance company may cover the standard body. [Click to get a free 1-to-1 insurance consulting service].

2. Breast nodules graded as grade 3 may be benign lesions, and even if they can be insured, most insurance companies will underwrite them out of liability. In other words, grade 3 breast nodules can also be insured, but it is possible that diseases related to breast nodules will not be covered.

3. If the breast nodule is graded as grade 4 or above, it means that it is very likely to be malignant, and the insurance company will directly refuse to cover the insurance or require a pathology report to determine the nature of the insurance.

Many women with breast nodules can buy critical illness insurance, breast nodules are generally 0-6 grades, and for those with different levels of breast nodules if you plan to insure critical illness, the insurance company's underwriting results: breast nodules grade 1-2, basically can rule out malignant lesions, generally can be excluded from liability coverage, if it has been surgical, and the pathological examination is benign, some insurance companies can be standard underwriting; If the breast nodule is grade 3, many insurance companies will exclude the breast liability; If the breast nodule is grade 4 or above, many insurance companies will extend or refuse the insurance, because the breast nodule has the possibility of evolving into breast cancer, and the higher the grade, the higher the possibility of cancer, and the risk borne by the insurance company will be very large.

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Definition of a breast nodule: A breast nodule is a small breast lump (a larger one called a mass) that is a descriptive term on imaging rather than the disease itself.

Strictly speaking, breast nodules are not a disease, but a symptom, which is commonly found in breast hyperplasia and breast neoplastic diseases, including benign breast tumors and breast malignant tumors. In fact, the vast majority of breast nodules are benign, and benign nodules do not even require medication.

1. How to determine the benign and malignant breast nodules?

An important tool for determining the benign and malignant nature of breast nodules is the BI-RADS classification evaluation criteria developed by the American College of Radiology (ACR). However, the BI-RADS classification and evaluation criteria have been widely used as the judgment criterion for breast ultrasound examination in tertiary hospitals in China.

2. Can I still apply for insurance if I have breast nodules?

Nodules are level 3 and below, and they can basically be insured!

However, if the rating is level 4 and above, if the diagnosis of benign disease is not confirmed by surgery, critical illness insurance and medical insurance are basically not available. According to the severity of the nodules, the underwriting results are as follows: the standard underwriting "additional fee" except the underwriting "extension and rejection".

The underwriting requirements for most insurance products in the market are as follows:

1. The diagnosis is grade 1-2; There are quite a few products that can be covered in a standard body.

2. The diagnosis is grade 3; Almost most products are excluded.

3. If the diagnosis is level 4 or above, there is a high probability that the insurance will be denied.

3. How to insure non-healthy individuals?

Many sick friends think that they can't buy insurance, but in fact, as long as they have a good understanding of underwriting knowledge, there is still a chance to buy suitable protection.

Breast nodules can be purchased with critical illness insurance, but they need to comply with health notices.

How do I configure insurance for breast disease? Daddy is here to teach you:"Breast nodules, breast hyperplasia and other female problems super practical insurance strategy".

Although there are many critical illness insurances on the market, there are not many that can provide protection for breast nodules.

Because breast nodules are more complex and can be large or small, insurance companies will be stricter in their health notices. After assessing the risk, the insurance company will come to different underwriting conclusions, such as standard underwriting, additional underwriting, exclusion underwriting, deferred underwriting, and refusal.

Let's take a look at how to buy the four major types of insurance after having breast nodules.

1.Accident insurance: Accident insurance covers accidents, there is no requirement for breast nodules, you can buy it.

4.Life insurance: Life insurance covers death, and most breast nodules can be underwritten and can be bought.

In general, the harm of breast diseases to women is still relatively large, it is best for female friends to go to the hospital regularly to do this examination, so as to prevent it in time, if it is detected that there is a breast disease, then you must cooperate with the doctor **, take care of yourself.

Breast nodules are a small problem that many female friends have, and I myself have them, and a small grain the size of a mung bean can move under my left chest. But it's not a big problem, as long as it's checked regularly, it doesn't grow or grows much, the doctor said when I had a physical examination at iKang Guobin. It is not a critical illness and does not affect your ability to apply for critical illness insurance, so you can inform the insurance company when you are informed of your health.

This is not a critical illness.

The state stipulates that the medical insurance for serious illnesses can be used for secondary reimbursement.

Patients with breast nodules can take out critical illness insurance. There may be two types of underwriting conclusions: standard underwriting or exclusion of liability.

If it is a positive pathological examination result that has undergone surgery**, and the past breast ultrasound examination is normal, then the normal insurance is high-risk, such as the best life guard (hero), worry-free life 2020 plus energy insurance is reflected in the fact that everyone pays more attention to health, and there are more and more people who have regular physical examinations, and in women, the most common abnormality is breast nodules. Can I still buy insurance for breast nodules? The answer, of course, is yes.

Let's take a look at a few underwriting results.

Standard sum insured. Unconditional coverage at the standard rate is best. Premium insurance.

Extended insurance: If you can't apply for insurance for the time being, you will be able to observe for a period of time before deciding how to apply for insurance. Whether breast nodules can be insured for critical illness depends on whether they can pass the health notice of critical illness insurance.

Take, for example, the health notification of breast nodules.

If the breast nodule has undergone surgery**, and the pathological results are clearly benign, the postoperative recovery has been more than one year, and there is no abnormality in the re-examination of breast ultrasound or mammography, it can be standardized to accept the insurance, if it is not benign, or the recovery is less than one year, or the re-examination is abnormal, it cannot be insured. If there is no surgery**, but there is a breast ultrasound examination or mammography within half a year, and the examination results are not abnormal, insurance can be excluded, that is, the breast carcinoma in situ, breast malignancy and its metastasis and ** will not be liable for the claim; If there is no test result within half a year, or if the test result is abnormal, you cannot apply for insurance.

It is not possible to buy it, because when you are diagnosed with a disease, it is not allowed to buy medical insurance, and the insurance institution will also check your health status, and you can only buy insurance if you are healthy.

It is not possible to buy critical illness medical insurance, because after you have a breast nodule, you will have a medical record in the hospital, and you will be denied insurance when you buy insurance.

OK. Because such diseases are very common, there is no impact on the normal purchase of insurance.

Summary. Hello dear, critical illness insurance cannot be paid for breast nodules, because it does not meet the threshold of disease definition, so it cannot be paid, and only breast cancer can be paid. However, medical insurance, especially the Million Medical Insurance, can be reimbursed and claimed.

Hello dear, critical illness insurance cannot be paid for breast nodules, because Liang Min can't reach the threshold of disease definition for Mengchai, so Ao Zhizhi can't pay, only breast cancer can be paid. However, medical insurance, especially the Million Medical Insurance, can be reimbursed and claimed.

Breast nodules are excluded from liability coverage, usually the breast nodules have reached level 2 or above, usually 0-1 level, the probability of normal body coverage is still relatively large, and the small Jane finch with leaf hyperplasia and breast hyperplasia to buy critical illness insurance are generally not affected. Generally speaking, if it is the vast majority of companies in the process of your insurance, breast nodules are excluded from liability, then you still have to buy, although breast diseases are not insured, but other insurance, and women's high-incidence diseases are not only breast, uterus, thyroid cancer is also common, this is all to protect the age of fiber, if the liability is excluded, it proves that you have a higher probability of disease than normal people, so it is more necessary to buy.

It is based on the description of breast nodules in the ultrasound alone, and the description is acceptable to exclude related liabilities, and the description is poor.

Breast nodules are a symptom that is commonly seen in breast hyperplasia (breast cysts can form) and breast neoplastic diseases, including benign breast tumors (such as breast fibroids, lobulated tumors, etc.) and breast malignant tumors (breast cancer), most of which are benign lesions and a few are malignant lesions.

There will be a health notice before applying for insurance, and the underwriting conclusions of different insurance companies are also different, and the insurance restrictions on critical illness insurance will be relaxed for hospitalization insurance.

Critical illness insurance: If the condition is not serious, it may be insured normally, but if the underwriting result is not satisfactory, the risk insurance company may increase the cost of underwriting and exclude liability. If the condition is severe, it is likely that the insurance will be denied.

Hospitalization Insurance: Generally not very serious illness can be insured, but if it is very serious, it may need to be excluded.

If there is a medical history before the insurance, the hospitalization medical insurance will usually be excluded from the liability, which is a very realistic problem, but as a guest, you can't look at the insurable matters negatively, after all, the insuredness is only for the previous medical history, not for all diseases, for the first new disease hospitalization after the insurance contract takes effect after the waiting period can still be guaranteed, it cannot be said that it is useless to buy, and the hospitalization medical insurance can cover not only one or two diseases!

Yes, I just applied for insurance for a client last month and I can apply for insurance!

To put it simply, nodules are "bumps" that grow in the body, and some can even be felt with your hands, such as thyroid nodules that grow on the neck.

From a medical point of view, nodules are:A kind of imaging in ultrasound and CT examination, inflammation, hyperplasia, tuberculosis, tumors, etc. will appear as nodules

The nodule itself has a grade, and the probability of malignant transformation will be different for different levels of nodules. Take the Bi-RADS grading of breast nodules as an example:

You can see ifAbove level 3, there is a certain risk of malignant transformation；The higher the level, the greater the risk of malignant transformation.

However, in order to finally diagnose the nodule, it is still necessary to cut it down for pathological examination.

Breast nodules are a common disease in women, and they are also underwritten according to ultrasound grading.

After screening, the following are the following ones with more lenient underwriting:

Let's go straight to the conclusion:

Critical Illness Insurance:Products such as Genho Bao, Super Mario 2020 Max, and Guardian No. 3 have relatively loose underwriting, and as long as the inspection result is level 2 and below within half a year, they can be underwritten normally;

Medical Insurance:If surgical resection is performed, Fosun Prestige Protector and e-Life Guarantee Renewal 2020 will have the opportunity to be covered normally; If not surgical, Privilege e-Life 2020 can be excluded from coverage.

Life Insurance:Products such as Optimus Prime 2020 (Standard Edition) and Barley Youth 2020 can be insured directly regardless of breast nodules.

In the case of Grade 3 breast nodules, both Super Mario 2020 Max and Carefree Life 2020 can be excluded.

If it is grade 4, surgical resection is recommended, and the pathological result is benign and generally covered normally.