Can I buy insurance if I have a stomach ulcer, and can I buy insurance for gastritis

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"

Acute gastritis and chronic superficial gastritis that have been underwritten by Gastritis Critical Illness Insurance** are usually not affected.

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?

If it is chronic gastritis, there are some insurances that cannot be bought, but when you buy insurance, you tell us truthfully, and you may add some premiums before applying for insurance.

Gastritis can be insured. Gastritis is not a major disease, so you can buy insurance.

Can I buy insurance for gastritis? Yes, gastritis is a small problem.

The symptoms of gastric ulcers and duodenal ulcers are somewhat similar, and if you meet the insurance criteria, you can choose medical insurance, critical illness insurance, life insurance, and accident insurance.

Because health insurance will be more strict about health information, people with medical conditions must be truthful when applying for insurance. How important is the obligation to tell the truth, this article tells you "The Importance of the Obligation to Tell the Truth".

To put it simply, a gastric ulcer is a damage to the mucous membrane that protects the stomach, which is caused by the erosion of gastric acid, which is very similar to a duodenal ulcer.

Let's go straight to the conclusion:

Critical Illness Insurance: Fosun's.

4 products, for more than half a year, and Helicobacter pylori is also **, then you can also directly insure.

Medical insurance: For cases without surgery**, micro-medical insurance.

You can also apply for insurance, but the time requirements are stricter, you need to have not had the disease for more than 2 years, and there is no bleeding, obstruction, etc.

Term life insurance: the same Three Gorges love to follow, barley life.

With Rite and Terry.

There are no relevant inquiries, and you can apply for insurance if you confirm that you meet other questions.

In general, as long as the stomach ulcer is **, it is not difficult to insure.

How to buy insurance for physical abnormalities, and how can I quickly apply for insurance when I am sick? made it very clear. To sum up, it is recommended to focus on the following when applying for insurance.

3 methods: Health notification: choose the insurance with loose health notification, and you can not inform the intelligent underwriting of the diseases that are not asked: some products have intelligent underwriting.

function to get an underwriting conclusion instantly.

Multiple insurance: Apply for multiple insurance companies at the same time and choose the product with the best underwriting conclusion.

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.

Hello, gastric ulcer can be configured with insurance, to choose according to the specific situation, before applying for insurance through the health notice to see what insurance can be purchased.

For friends who don't know much about health information, you can take a look at this article: "What is the obligation to tell the truth?" 》

No, it is not a serious illness, a sudden illness.

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.

Whether you can buy insurance for gastritis depends on the degree of your condition and the type of insurance. If it is a relatively mild condition, such as acute gastroenteritis or acute gastritis has been cured for more than 6 months, most types of insurance can generally be purchased. However, if it is a more serious condition, such as atrophic gastritis, and there is an atypical hyperplasia on the gastroscopic biopsy, then some health insurance plans may not be available.

However, if you have gastritis, you can generally buy annuity insurance and accident insurance, which usually do not require health notification. Senior sister has sorted out some tips for taking insurance with illness, and interested partners should not miss it:

Remember these 5 steps to get you sick and get out of the insurance smoothly!

If you have gastritis, when you make a health notice, you should tell you truthfully about the health range you asked. Otherwise, if the insurance is due to gastritis in the later stage, the insurance company may refuse to pay. Sometimes it is considered by the insurance company to have fraudulent insurance and may be subject to legal liability.

For those who don't know how to do health information, you can take a look at this article:

What are the tips for health notification when applying for insurance?

In fact, if you want to buy the right insurance smoothly, you can actually look at the products of several insurance companies, or choose a product with a more relaxed health notice. Taking critical illness insurance as an example, products with relaxed health notices generally do not ask whether there has been an acute gastritis examination or abnormal examination in the last two years. This is the list of critical illness insurance with more relaxed health information for everyone, and you can collect it:

Latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

Whether people with gastric ulcers can buy insurance or not needs to be analyzed by looking at the severity of the condition of gastric ulcers.

When we apply for insurance, the general insurance company will ask us to make health notices, which is also to let the insurance company understand the basic physical condition of consumers. If you still want to know about health advice, you might as well take a look at the following article: Is the health notice of the insurance company making it difficult for us?

For example, gastric ulcer is a relatively common disease, if the consumer suffers from gastric ulcer, but it is a relatively mild degree, it is relatively easy to buy insurance, like some health insurance is also suspected of having the opportunity to insure. Some critical illness insurance products, as long as the consumer undergoes surgery**, the pathological result is benign, and it is not a total gastrectomy, in the absence of anemia, it is possible to be covered by the standard. Want to know how to get sick insurance?

However, if the degree of gastric ulcer is more severe, then it is more difficult to successfully apply for health insurance, after all, gastric ulcer may deteriorate and evolve into gastric cancer at any time if it is not paid attention to and not timely. However, there is no need to worry, in addition to health insurance, there are other insurances that have a chance to be successfully insured, such as life insurance, accident insurance, cancer insurance and annuity insurance. Therefore, if you still want to buy insurance, you may wish to consider these insurances.

If you want to know what to do when you make health notices, you can take a look at the following article: What are the tips for health notification when applying for insurance?

As long as this is truthfully informed, the insurance company has not done the exemption from liability, and the demolition of Jian Jujube 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.