What kind of insurance can I buy if I have cancer?

Hello, your situation is generally unable to apply for commercial insurance x0d x0a for commercial insurance, the general requirement is a healthy body, for the sick people, when applying for commercial insurance, you need to truthfully inform your physical condition and past disease history. The company will then underwrite your specific situation. Depending on your situation, the commercial insurance company will generally arrange for you to undergo a medical examination.

You can buy it, but the variety is very limited, and you can't buy health insurance, so you can choose accident insurance.

Because insurance requires health, and cancer patients are already seriously ill, they can no longer purchase insurance related to illness or death. But social security can still be bought, and accident insurance can also be bought. However, it is important to note that the accident insurance you purchase only covers accidents, and you cannot get compensation if you die of cancer.

Health Notice:

If there is a risk of death, it is necessary to issue a certificate from the public security department to prove that it is not due to illness and death, so that the insurance company can compensate, otherwise, if it is confirmed to be cancer, it is inevitable that the claim will not be settled.

If there is a risk of death, it is necessary to issue a certificate from the public security department that it is not due to illness and death, so that the insurance company will pay, otherwise, if it is confirmed that it is caused by cancer, it is inevitable that the claim will not be paid.

Hello, happy to answer your questions. Yes, but you can only buy some of them, not all of them.

After suffering from cancer, you can buy tax-advantaged health insurance: tax-advantaged health insurance is a commercial insurance with a semi-public welfare nature, but for people with a past medical history, the insurance threshold is still quite strict, and people who must deduct taxes for more than one year can buy this type of insurance.

However, this commercial medical insurance is still very practical, it can reimburse self-financed drugs, and people with a history of pre-existing conditions can only use the amount of 40,000.

You can also buy Huimin medical care and Huimin insurance, which can support insurance with illness, but the hospitalization expenses + medical expenses caused by the history of serious pre-existing conditions stipulated in the contract are not compensated, and other diseases can be compensated if they occur.

Questions. My wife's breast cancer surgery in mid-December last year Follow-up chemotherapy needs more than 200,000? I'm helpless, and I hope you can come up with an idea, thanks.

You can do water drop chips and easy chips. Kiss.

Or your local journalist can also raise money through the community.

If you have a house or something, you can also mortgage it to the bank for a loan.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

After a diagnosis by a medical institution or above, it is confirmed that you have cancer, and then you purchase cancer insurance, which is not effective. If you have medical knowledge in this area and know that you have cancer, you can survive the 90-day waiting period and then go back to a medical institution for treatment, this way of gambling with your life can be claimed by the insurance company.

Accident insurance can mainly improve the personal accident protection of the insured, the premium of this kind of insurance is not high, but the amount of accidental death and disability insurance provided is often as high as hundreds of thousands of yuan, so it is recommended that cancer patients give priority.

Consumer-based cancer insurance is more suitable for people with low premium budgets and focus on protection functions, and consumer-based general insurance has a shorter term. If you are younger, or have a limited premium budget, and value the protection function of insurance the most, then you may wish to directly purchase a pure consumption cancer insurance product, which can exchange the minimum expenditure for basic protection.

Return-type cancer insurance has the function of savings, and the premium is generally relatively high and the insurance period is relatively long. If you are over 35 years old or older, have good financial conditions and pay more attention to the savings function, but want to effectively protect the risk of cancer, then you can choose the return type.

Different insurance products provide different benefits in specific terms. Since cancer can be divided into carcinoma in situ and tumor according to severity, carcinoma in situ generally costs less, but there are special circumstances, and the cost of tumor is generally relatively expensive, therefore, some cancer insurance will only cover the tumor, but not carcinoma in situ.

In addition, some products also provide cancer hospitalization benefits, cancer surgery benefits, chemotherapy benefits, liver transplant or hematopoietic stem cell transplant benefits, and death benefits. Therefore, when choosing cancer insurance, you should pay special attention to its protection, the more comprehensive the protection, the better, of course, the corresponding premium will be more expensive.

Benign tumors: You can purchase some health insurance, life insurance, annuity insurance, personal accident insurance, non-auto insurance, home property insurance (car insurance), corporate property insurance and other products. Malignant tumors:

You can purchase life insurance, annuity insurance, personal accident insurance, non-car insurance, home property insurance (car insurance), corporate property insurance and other products.

Further information: Life insurance is a kind of life insurance, which is a life insurance with the life of the insured as the subject of insurance and the life or death of the insured as the payment condition.

Life insurance is a social security system, which can be divided into whole life, term life, survival insurance, life and death, etc. Life insurance has introduced a savings component, and the insurance company will pay the agreed premium to those who are still alive at the end of the insurance period.

On December 1, 2017, the "Standards for English Translation and Writing in the Field of Public Services" was officially implemented, stipulating that the English name of life insurance standard is life insurance.

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract. Guarantee the financial benefits of the insured in the event of old age or incapacity.

1. Annuity insurance may or may not have a definite term, but it is paid on the condition of the survival of the insured of the annuity insurance. In the event of the death of the annuity recipient, the insurer immediately terminates the payment.

2. Annuity insurance can make your later life financially secure. When people are young, they save their idle money to pay premiums, and when they are old, they can receive a fixed amount of insurance premiums on a regular basis.

3. Annuity insurance is very safe and reliable for annuity buyers. This is because insurance companies are required to draw liability reserves in accordance with the law, and the liability reserve system between insurance companies guarantees that even if the insurance company that insured the customer purchases the annuity goes out of business or goes bankrupt, the remaining insurance companies will automatically contribute to the annuity benefits for the purchaser.

4. Life insurance with the survival of the insured as the condition for the payment of insurance money, and the survival insurance money shall be paid in installments according to the insurance contract, and the payment interval shall not exceed one year (including one year).