What insurance should I buy after I have a serious illness, and what insurance can I buy if I have a

What kind of insurance to buy after a serious illness should be chosen according to the specific situation. If you have a serious illness and buy health insurance, there is a high probability that you will be rejected by the insurance company, but not all insurance cannot be bought.

1. Accident insurance.

Accident insurance pays for the death, disability and medical expenses of the insured due to accidents, so the health requirements of the insured are not high. In most cases, people who have a serious illness can purchase accident insurance. If other insurance is not available, it is recommended to configure a comprehensive accident insurance for yourself, after all, it is better to have protection than not to have protection.

2. Social security. As a welfare security system and system given by the state to users, it is recommended that people who have a serious illness must buy social security for themselves.

3. All kinds of insurance for the people.

It is precisely because major insurance companies have high health requirements for users that it is more difficult for people with serious illnesses to buy commercial health insurance, so many cities have launched various insurance for the benefit of the people, which can also reimburse medical expenses. For example, the "Anhui Huibao" launched by Anhui Province has no health notice, even people who have a serious illness can be insured, and Anhui Huibao is not limited to age and occupation, and can also reimburse hospitalization medical expenses outside the social security catalog. Therefore, if you have a serious illness and can't buy commercial health insurance, you must pay attention to the Huimin insurance in various places.

4. Some commercial health insurance.

Under normal circumstances, people with serious illnesses will be directly denied health insurance, but there are also some commercial health with relatively low health requirements for the insured, and people with serious illnesses and ** can be insured. The common ones are cancer prevention insurance and hospitalization insurance, which are relatively rare and require users to be patient and look for them.

Hello! After a serious illness, you can first consider medical insurance, and secondly, consider commercial insurance with relatively loose underwriting.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

For example, accident insurance that does not require health notices, cancer insurance with loose underwriting, and health insurance and life insurance that meet health notices.

However, in the case of sick insurance, there will generally be five outcomes: normal underwriting, additional underwriting, exclusion coverage, and extended coverage or denial of coverage.

The specific result also needs to be based on the underwriting results of the insurance product, and what we need to do is to fill in the health notice truthfully.

Although health notices are generally required to apply for critical illness insurance and medical insurance, it does not mean that critical illness insurance and medical insurance cannot be purchased after a serious illness, but the insurance company needs to evaluate through health notices before deciding whether it can be successfully underwritten. Therefore, friends who are seriously ill can also try to apply for critical illness insurance and medical insurance, but they must be truthful when making health notices.

Secondly, in order to be able to pass the health notice as much as possible, you should choose a product with a more relaxed health notice, so as to increase the probability of smooth insurance. For example, the "family medical history of the insured" is not asked, or the "BMI index" is not asked, etc.

In addition, friends who have serious illnesses can also choose to insure accident insurance, life insurance and other types of insurance, the health notice of this kind of insurance is generally not very strict, and the probability of being able to successfully apply for insurance is relatively high.

1. Accident insurance.

Accident insurance is an insurance that pays insurance benefits to the insured due to death or total disability caused by accidental injury.

We don't know which will come first, tomorrow or the accident, and the possibility of accidents will increase when we shuttle through the city every day, so if you have more funds on hand, you can also buy an accident insurance.

2. Life insurance. Life insurance is a type of insurance that pays for the death of a person. If it is the breadwinner of the family, life insurance is also recommended.

Buy a life insurance, if you unfortunately die in the future, this money can also subsidize the family, and you don't have to worry about the situation that your parents have no one to support you. The life insurance seniors who perform better in the market have been sorted out, and they are recommended to everyone here: Top 10 life insurance rankings worth buying!

If you buy health insurance after a serious illness, you are likely to be rejected by the insurance company, so you can consider buying accident insurance and annuity insurance.

Accident insurance usually does not have a health notice and can provide coverage for claims arising from accidental injuries.

Annuity insurance does not have many requirements for the health of the insured, and can provide a relatively stable cash flow to help financial planning.

If you don't know much about annuity insurance, you can take a look at this popular science article on insurance types: Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

Summary. Hello, I will come to you for this question. The insurance that can be purchased in the event of a critical illness includes:

1.Critical illness insurance: Although it is difficult to buy critical illness insurance after having a critical illness, it does not necessarily mean that you cannot buy it, for example, if you have suffered from an early malignant tumor, but as long as you have been cured for more than five years without sequelae, no **, and there is no abnormality in the recent review, then there is still a chance that you can be excluded from coverage; 2.

Medical insurance: As long as you can be informed by health, then there are still opportunities to buy, but most of them cannot be covered as standard; 3.Cancer Insurance:

Generally, as long as you are not suffering from malignant tumors or diseases related to malignant tumors, you can generally still be informed through health; 4.Accident insurance: Most of them do not need to be informed, even if they suffer from a critical illness, it will not affect the insurance.

Even if the accident insurance that requires health notification is generally more relaxed, as long as it is not a serious illness such as malignant tumor or paralysis, it can still be bought; 5.Inclusive commercial supplementary medical insurance: Generally, it can be purchased as long as there is local basic medical insurance, regardless of age, occupation and illness; 6.

Tax-advantaged health insurance: essentially one-year medical insurance + universal insurance, which can usually be purchased without health notification; 7.Employee Medical Insurance:

You don't need to be informed about your health, and you can buy it even if you have a serious illness; 8.Medical insurance for urban and rural residents: No need for health notice, even if you have a serious illness, you can buy it.

Hello, I will come to you for this question. The insurance that can be bought in case of a critical illness includes:1

Critical illness insurance: Although it is difficult to buy critical illness insurance after having a critical illness, it does not necessarily mean that you cannot buy it, for example, if you have suffered from an early-stage malignant tumor, as long as you have been cured for more than five years without sequelae, no **, and have recently re-examined the abnormality of the unaccompanied rock, then there is still a chance that you can be excluded from the insurance; 2.Medical Insurance:

As long as you can be informed by health, then there is still a chance to buy it, but most of them cannot be covered as standard; 3.Cancer insurance: Generally, as long as you are not suffering from malignant tumors or diseases related to malignant tumors, you can generally still be informed through health; 4.

Accident insurance: Most of them do not need to be informed, even if they suffer from a critical illness, it will not affect the insurance. Even if it is an accident insurance that requires health notification, it is generally relatively relaxed, and usually as long as it is not a serious illness such as malignant tumor or paralysis, it can be bought with Zaoqi; 5.

Inclusive commercial supplementary medical insurance: Generally, it can be purchased as long as there is local basic medical insurance, regardless of age, occupation and illness; 6.Tax-advantaged health insurance:

In essence, it is a one-year medical insurance + universal insurance, which can be bought without health notice; 7.Employee medical insurance: no need for health notice, even if you have a major illness, you can buy it; 8.

Medical insurance for urban and rural residents: No need for health notice, even if you have a serious illness, you can buy it.

You can choose according to your own situation.

Summary. Hello dear, happy to answer your <>

The insurance that can be bought for a serious illness includes:1Critical Illness Insurance:

For example, if you have suffered from early-stage malignant tumors, as long as you have been cured for more than five years without sequelae or **, and there is no abnormality in the recent re-examination, then there is still a chance that you can be excluded from the coverage; 2.Medical insurance: As long as you can be informed by health, then there are still opportunities to buy, but most of them cannot be covered as standard; 3.

Most of them do not need to be informed, even if they suffer from a critical illness, it does not affect the insurance. Even if the accident insurance that requires health notification is generally relaxed, as long as it is not a serious illness such as a malignant tumor or paralysis, it can still be bought; 5.Inclusive Commercial Supplementary Medical Insurance:

Generally, as long as there is local basic medical insurance, it can be purchased, regardless of age, occupation and disease; 6.Tax-advantaged health insurance: essentially one-year medical insurance + universal insurance, which can usually be purchased without health notification; 7.

Employee medical insurance: no need for health notice, even if you have a major illness, you can buy it; 8.Medical Insurance for Urban and Rural Residents:

You don't need to be informed about your health, so you can buy it even if you have a serious illness.

What insurance can I buy if I have a serious illness?

Hello dear, happy to answer your <>

The insurance that can be bought for a serious illness includes:1Critical Illness Insurance:

For example, if you have suffered from early-stage malignant tumors, as long as you have been cured for more than five years without sequelae or **, and there is no abnormality in the recent re-examination, then there is still a chance that you can be excluded from the coverage; 2.Medical insurance: As long as you can be informed by health, there is still a chance to buy it, but most of them cannot be underwritten as standard; 3.

Most of them do not need to be informed, even if they suffer from a critical illness, it does not affect the insurance. Even if it is an accident insurance that requires health notification, it is generally more relaxed, and usually it can still be bought as long as it is not a serious illness such as malignant tumor and paralysis; 5.Inclusive Commercial Supplementary Medical Insurance:

Generally, as long as you have local basic medical insurance, you can buy it, and Sakura is not limited to age, occupation and disease; 6.Tax-advantaged health insurance: essentially one-year medical insurance + universal insurance, which can usually be purchased without health notification; 7.

Employee medical insurance: no need for health notice, even if you have a major illness, you can buy it; 8.Medical Insurance for Urban and Rural Residents:

You don't need to be informed about your health, so you can buy it even if you have a serious illness.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Summary. Hello dear. I have received your question. I'm in the process of collating relevant information and content. I'm typing for a little time now, and I hope you'll be patient for five minutes or so.

Hello dear. I have received your question. I'm in the process of collating relevant information and content. I'm typing for a little time now, and I hope you'll be patient for five minutes or so.

What kind of insurance can I buy if I have a critical illness? First, you can buy accident insurance if you have a critical illness, because accident insurance has no requirements for the physical health of the insured, it only requires the age and occupation of the insured, so even if the insured has a critical illness, as long as the age and occupation of the insured meet the requirements, you can buy accident insurance normally.

2. At present, because critical illness insurance, medical insurance, and cancer prevention insurance have requirements for the physical health status of the insured, among them, critical illness insurance and medical insurance have very strict requirements for the physical health status of the insured, and generally cannot be purchased if they have suffered from a critical illness, and cancer prevention insurance does not have very strict requirements for the physical health of the insured compared with critical illness insurance and medical insurance.

Therefore, in addition to accident insurance, the insured can also try to purchase cancer insurance if he does not have a malignant tumor.

Inclusive commercial supplementary medical insurance: Generally, it can be purchased as long as there is local basic medical insurance, regardless of age, occupation and illness;

Medical insurance for urban and rural residents: No need for health notice, even if you have a serious illness, you can buy it.

Does that mean that if you have medical insurance for urban and rural residents, you can buy other types of insurance?

As long as you have medical insurance for urban and rural residents, you can be reimbursed, so you don't have to buy it. If you don't have this health insurance, I hope you buy it.

Summary. Hello.

If you have a critical illness, you can still apply for accident insurance, annuity insurance, and property insurance normally, but there will be certain restrictions when applying for health insurance and life insurance. Health insurance and life insurance usually have health notices, and the insured must meet the health requirements in order to apply for insurance.

What insurance should I buy if I have a serious illness?

If you have a critical illness, you can still apply for accident insurance, annuity insurance, and property insurance normally, but you will be subject to certain restrictions when investing in health care hand Liang Qingkang insurance and life insurance slag mold. Health insurance and life insurance usually have health notices, and the insured must meet the health requirements to be insured.

Dear, you should first participate in medical insurance and serious illness medical treatment, and then consider purchasing millions of medical insurance, critical illness insurance, and cancer prevention insurance in commercial insurance.

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