Can you buy insurance for depression, can you buy insurance for people with depression

People with depression can buy social endowment insurance and medical insurance, social endowment insurance and medical insurance can also be purchased when they are sick and are not subject to any disease restrictions, these two insurances can go through retirement procedures and receive pensions after 15 years of payment and reaching the statutory retirement age.

However, people with a history of depression cannot buy commercial insurance, and even if they do, the insurance company will not pay the claim.

Generally speaking, critical illness insurance or high-end medical insurance in commercial insurance has requirements for the health status of the insured, while patients with depression are more likely to have mental symptoms or suicidal tendencies, and the insurance risk is greater.

Insurance companies do not have the ability to assess the possibility of depression of the insured**, so it has become one of the circumstances in which the insurance company refuses to insure, and some conservative insurance companies will generally adopt postponement of the contract or direct refusal to reduce the risk.

Depression can be mild, moderate and severe, and in general, insurance can cover no history of long-term antidepressant medication, and if you take antidepressant medication for a long time, it will exclude the cost of mental illness, chronic fatigue syndrome, etc.

Patients with depression can apply for medical insurance, but whether the insurance can be successfully applied for depends on the decision of the insurance company. And because the risk of self-abuse suicide is high for depressed patients, and mental illnesses such as depression are not stable, and it is uncertain whether it will **, the insurance company is likely to refuse to underwrite.

Can I still buy insurance if I suffer from depression? Let's take a look at what Rainbow Huibao Teacher Liu has to say

Can I buy insurance for depression?

Advice on inhibiting the underwriting of celery depression.

Mild: Existing life insurance and critical illness can usually be covered at an additional cost, and medical insurance may have a slight burn-up exclusion or additional coverage for symptoms that have been relieved for more than one year; Life insurance and critical illness with symptom relief for more than two years can be covered by standard pieces; Cancer, accidents, and annuities are usually covered as standard.

Moderate: Existing life insurance, critical illness, medical insurance, and accident insurance are usually deferred; Life insurance and critical illness with symptom relief for more than one year can be covered at an additional cost; Life insurance, critical illness and accident with symptom relief for more than five years can be covered by standard parts; Cancer prevention and annuities are usually covered as standard.

Severe: Existing illness life insurance, critical illness, medical insurance, and accident insurance are usually deferred; Life insurance and critical illness with symptom relief for more than three years can be covered at an additional cost; Life insurance and critical illness with symptom relief for more than 10 years can be covered by standard parts; Cancer prevention and annuities are usually covered as standard. Huai Xu.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

** Patients with high rates of depression are not the same as those with other disorders, and everyone may suffer from depression. However, insurance companies do not take this risk, they are not charitable organizations and will control the risk, and for patients with depression, they will make an extension or denial of insurance verification. Of course, depression will also be divided into different degrees, if it is mild, you can buy insurance, if you have severe depression, the insurance company will definitely refuse.

People who suffer from depression cannot buy insurance, because the insurance company does not have such a clause for the group of depressed people, and can only buy some insurance for normal people.

OK. However, it will be more difficult to buy insurance, and general insurance companies will not insure you.

Of course, you can buy insurance for depression, it's up to you to decide, and if you want to buy it, then of course you can.

Whether a depressed person can buy insurance depends on the actual situation:

If you buy insurance that does not require health notification, depression usually does not affect your coverage;

If you buy insurance that needs to run health notice, depressed patients may be subject to certain restrictions, such as some critical illness insurance or medical insurance will make a conclusion that depressed patients cannot be insured, but there are also some critical illness insurance, whose health notice is more relaxed, and can be standard coverage for the insured who has been depressed for more than one year and has no abnormalities in the re-examination.

It is necessary to buy critical illness insurance. The reasons are as follows:

1. Critical illness insurance is a fixed-amount insurance, which can be paid if it is diagnosed and meets the definition, and it can be paid on top no matter how many critical illness insurances you buy.

4. There is no restriction on the use of critical illness insurance claims, which can solve the problem of nutrition expenses for serious illnesses, after all, it is not enough to rely on medical after-medical insurance.

5. It can prevent family members from becoming poor due to illness, and once the breadwinner of the family suffers from a serious illness, critical illness insurance can pay insurance benefits to ensure the normal operation of the family.

6. Whole life critical illness insurance has a savings function, and the cash value will gradually increase over time, and the cash value can exceed the premium paid in the later stage.

7. Critical illness insurance can be exempted from liability, whether the policyholder or the insured suffers from the corresponding waiver of illness, the premium can not be paid, but the rights and interests are still continued.

8. Critical illness insurance can solve some special expenses, such as organ transplant material costs, that is, expenses that cannot be covered by medical insurance.

9. The amount of insurance for critical illness insurance is clear, and the amount of insurance is paid for as much as you buy.

10. Critical illness insurance has cash value and can be loaned by policy, and financial pressure can be alleviated by policy loan.

The rules for receiving Lion Life whole life insurance are:

1.To receive the death benefit, the beneficiary of the death will apply for:

1) If the insured dies before the age of 18, the greater of the premiums paid and the cash value will be paid;

2) If the insured dies after the age of 18 but before the expiration of the payment period, the greater of the cash value and the premium paid*payment ratio will be paid;

3) If the insured passes away after the age of 18 or after the expiration of the payment period, the maximum payable cash value, effective sum insured, and premium paid* payment ratio will be paid;

4) The benefit ratio is 18 to 40 years old, 120% to 60 years old, and 120% for those aged and above.

2.Reduction Rules:

1) During the protection period, the policyholder can apply for a single reduction in the basic sum insured of the insurance contract, or apply for a regular reduction of the basic sum assured of the insurance contract, which will take effect after the consent of the insurance company;

2) If the policyholder applies for a reduction of the basic sum insured of the insurance contract, the effective sum insured of the insurance contract shall be reduced in the same proportion as the basic sum assured, and the insurance company shall bear the liability for claims according to the reduced effective sum insured;

3) Reduction ratio = (1 - effective insurance amount after policy reduction Effective insurance amount before policy reduction);

4) After the insurance is reduced, the premium paid during the insurance contract period will be reduced according to the reduction ratio.

3.Policy Loan Rules:

1) During the protection period, the policyholder can apply for a policy loan with the consent of the insurance company;

2) The loan amount shall not exceed 80% of the balance of the cash value of the policy after deducting all outstanding amounts;

3) The maximum term of each loan shall not exceed 6 months;

4) If the loan principal and interest plus other outstanding amounts reach the cash value of the policy, the benefit will be terminated from 0:00 on the next day.