Can I buy health insurance if I have stomach problems, and can I buy insurance if I have stomach ulc

Generally speaking, acute gastritis is promising.

Or chronic superficial gastritis, although it is not optimistic, but these two diseases will not affect the underwriting of major diseases, even if it is notified.

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.

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 illness, but there may be a small amount of additional fees or for stomach cancer.

This is some of the offline businesses we are talking about, so if you want medical insurance, you will have to deal with 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.

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.

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.

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.

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?

It should be possible, tell me truthfully, and see if the insurance company will insure you, and there may be no way to insure you for stomach problems. Before taking the insurance, the insurance company will generally make an assessment of your personal physical condition, and high blood pressure and gastritis should not be affected.

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

Hello, you can buy insurance if you have a stomach ulcer, as long as you tell the truth when you ask about the insurance.

Gastric ulcer is a type of peptic ulcer and also a type of stomach disease. Peptic ulcer is a common gastrointestinal disorder that can occur in the esophagus, stomach, or duodenum. For the specific details of stomach disease insurance, please refer to this "Can stomach disease be insured?" How to buy insurance for stomach problems? 》

Sickness insurance is generally restricted, no matter which part of the disease, the degree of restriction is medical insurance, critical illness insurance, life insurance, and accident insurance.

This means that medical insurance is the most stringent health notice, followed by critical illness insurance, life insurance, and accident insurance.

Health information is very important, be sure to tell the truth, but if you don't ask, you can not say, follow the questions must be answered, do not ask and do not answer.

In fact, today's online insurance generally has intelligent underwriting, and when the health notice mentions stomach disease or peptic ulcer when applying for insurance, select "some conditions" in the relevant disease, and then enter the intelligent underwriting channel.

In the intelligent underwriting channel, there are inquiries about the specific situation of various diseases, as long as you click on the "yes" that meets the situation, and "no" if you do not meet the situation.

As long as this is truthfully informed, and the insurance company does not exempt from liability, it will not be affected. In addition, insurance also provides protection for critical illness and accidents. So it's not that it's meaningless, it's that it's definitely needed.

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

Subject's question: Patients with gastroenteritis can buy insurance. However, the disease is also divided into severity, gastroenteritis is mainly divided into chronic gastroenteritis and acute gastroenteritis; When applying for health insurance, the insurance company will underwrite the insured according to the different degrees of gastroenteritis.

In short, the specific condition is analyzed on a case-by-case basis.

Next, the senior sister will tell you about the relevant content of insurance for patients with gastroenteritis. Before the official start, the senior sister has prepared an insurance knowledge for everyone, and interested partners can poke this: super complete! Everything you need to know about insurance is here.

Gastroenteritis is usually caused by microbial infections, chemical poisons or drugs, and the typical clinical manifestations are diarrhea, nausea, vomiting and abdominal pain; For example, in healthy adults, gastroenteritis usually only causes discomfort and inconvenience in life, and does not lead to serious consequences.

According to relevant statistics, there are about 100 million patients with gastrointestinal diseases in China, of which the incidence of chronic gastritis is as high as 30%. Therefore, if the economic situation allows, it is recommended that you should configure the corresponding insurance while you are in good health; If you want to apply for insurance if you have already suffered from gastroenteritis, it is also feasible to consider it with reference to the situation of insurance with illness.

Speaking of which, if you want to take out insurance with illness, the following must be read: remember these 5 steps to let you successfully apply for insurance with illness!

Generally speaking, patients with chronic gastroenteritis are insured with reference to the underwriting rules for chronic gastritis or chronic enteritis; In the case of acute gastroenteritis, the insurance is based on the severity of the insured person's illness and whether there are complications.

If you are applying for health insurance such as medical insurance and critical illness insurance, there may be underwriting conclusions such as standard underwriting and deferred underwriting according to the actual condition of the insured; However, if the condition is serious, there is a possibility of denial of insurance.

In this regard, it is recommended that you must be truthful and healthy to inform the content so as not to affect the subsequent claims.

Under normal circumstances, patients with gastroenteritis can buy insurance, but what insurance products can be purchased or how they are underwritten depends on the actual physical condition of the insured. Health insurance, such as critical illness insurance and medical insurance, generally asks about the relevant medical history in the health notification link, and it may be difficult to buy it successfully, so the senior sister suggests that friends try to choose some products with loose health notices.

Arnold answers: Hello!

Whether gastroenteritis can be purchased with critical illness insurance, the main considerations are: whether gastroenteritis is diagnosed as acute gastroenteritis, the frequency of recent occurrence of gastroenteritis, and the time of **.

The underwriting of each insurance company may be different, taking the health notice of a critical illness insurance of an insurance company as an example, there will be the following underwriting results according to the actual condition of gastroenteritis:

1. If you have been diagnosed with acute gastroenteritis by a doctor and have been ** for more than 1 month and have no other symptoms, the insurance company will underwrite it normally.

2. If you are diagnosed with acute gastroenteritis by the doctor, and you are still in the **, and you have other symptoms, the insurance company will refuse to cover the insurance.

3. If you are diagnosed by a doctor with ulcerative colitis, Crohn's disease, gastrointestinal polyps, tumors or tumors, or are recommended by a doctor to undergo colonoscopy or surgery**, the insurance company will refuse to insure.

4. If gastroenteritis occurs more than twice in the last 3 months, or if any of the gastroenteritis lasts for more than 1 week in the last 6 months, the insurance company will refuse the insurance.

5. If it does not belong to acute gastroenteritis, ulcerative colitis, Crohn's disease, gastrointestinal polyps, tumors or tumors, and has not been recommended by the doctor for colonoscopy or surgery**, and gastroenteritis has not occurred more than 2 times in the last 3 months, or none of them has lasted for more than 1 week in the last 6 months, the insurance company will cover it normally.

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

There are many types of chronic gastritis, and the specific situation needs to be analyzed on a case-by-case basis. You need to know your details before I can explain it to you.

Stomach erosions. It is possible to buy health insurance, but it is necessary to evaluate the severity of the disease, whether there are complications, and the effect of the first grade. Depending on the severity of the condition, critical illness insurance may choose to increase the premium, exclude the liability, or refuse coverage.

Medical insurance, on the other hand, will choose to exclude coverage or deny coverage. For accident insurance.

In terms of products, we can apply for insurance directly, while life insurance and cancer insurance need to meet the requirements of health notice.

This includes the following situations:

1. If the disease is only recently onset and accompanied by bleeding, the insurance company will not cover it temporarily. If the surgery** has been successful for 2 to 3 years and there are no complications, it is possible to purchase insurance normally.

2. ** ulcers with HP positive or other complications after surgery, usually a lot of premiums will be added for you to buy. If the ulcer is caused by taking medication, you need to understand the original condition in detail, and according to the original disease, depending on the situation, determine whether and how much to add for you to buy.

3. If it is a gastric ulcer at this stage.

It must depend on the condition of the ulcer, as well as whether to accept food** and medication** control, in general, if it is almost good, you can increase the premium to allow the purchase.

Extended information: Gastritis is divided into two categories, one is acute gastritis and the other is chronic gastritis.

Among them, acute gastritis is generally caused by improper diet, and acute gastritis can also be divided into acute erosive gastritis, acute purulent gastritis and acute corrosive gastritis.

Chronic gastritis can be divided into chronic superficial gastritis.

Chronic erosive gastritis and chronic atrophic gastritis.

These three. Most of the intestinal metaplasia is a benign gastric disease, which is also an inflammatory reaction, but it will worsen with the development of inflammation. Colonic intestinal metaplasia is still very low in benign gastric disease, but in intestinal gastric cancer.

In the mucous membrane next to it, its detection rate is still very high.

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.

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

Chronic superficial gastritisIt is possible to buy health insurance, the onset time is relatively long, and there are no other symptomsCritical illness insuranceAdditional coverage will be considered, and medical insurance will be excluded from coverage.

Insurance is risk management.

It is an important pillar of the financial system and the social security system, and it is also an act of paying insurance money to the insured when the conditions of the contract are met (when the contract stipulates that the accident may occur and the property loss caused by its occurrence is liable for the insurance money, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract).

Insurance, economically, is a financial arrangement for apportioning accident losses, legally it is a contractual act in which one party agrees to compensate the other party's losses, socially it is an integral part of the social and economic security system, and risk management is the basic method.

World Insurance: Human society has faced natural disasters since the beginning.

In the process of fighting against nature, ancient people came up with the idea of insurance against disasters and the original form of insurance methods, around 2500 B.C., the ancient Babylonian kingdom.

The king ordered monks, judges, village chiefs, etc., to collect taxes as funds for the relief of the fires.

Ancient Egypt. The stonemasons established a funeral mutual aid organization, and used the payment of membership dues to solve the funds for the burial of the ancient Roman Empire.

The soldiers' organizations of the era provided living expenses for the bereaved families of fallen soldiers in the form of fund-raising, and gradually formed an insurance system.

With the development of **, around 1792 BC, it was the time of Hammurabi, the sixth king of ancient Babylon, that commerce flourished, and in order to aid commerce and protect caravans of mules and horses and compensation for the loss of goods, in the Code of Hammurabi.

stipulates the provision for the joint apportionment of compensation for losses.