Can I buy commercial medical insurance if I have a chronic illness?

Due to the deterioration of the environment and the increase in work pressure, many people will change to chronic diseases. Therefore, if someone asks if they have a chronic illness, can they buy commercial insurance? How to buy? In fact, it depends on the specific situation, which will be explained in detail below.

**Implement a certain compensation policy for patients with designated chronic diseases.

**Hao Yansu, Dean of the Department of Insurance of the University of Finance and Economics, answered: Insurance is divided into two categories: public social insurance and commercial insurance. Both healthy people and people with chronic diseases can apply for public social medical insurance.

Social medical insurance is a social insurance system established by the state to provide basic medical needs to workers within the scope of insurance when they are sick. All units should pay social insurance to employees in accordance with relevant national regulations. If you are a flexible employee or other chronic disease patients who do not have social insurance, it is best to apply for it as soon as possible.

The purchase of commercial medical insurance for chronic diseases depends on the specific situation, and the relevant insurance can be selected according to the specific condition. It is best for people with chronic diseases to choose insurance that is not related to the disease, such as life insurance or accident insurance. It should also be noted that when applying for insurance, you need to truthfully inform your illness before the insurance company can underwrite it, otherwise it is a breach of contract, and the insurance company can not compensate in the event of an insured accident.

A bad stomach can be treated with traditional Chinese medicine. It is also necessary to pay attention to the principle of three points of healing and seven points of maintenance. In the daily diet, one should maintain a balanced diet, eat less and more, do not overeat, eat more fresh vegetables, fruits are more important, and develop good lifestyle and eating habits.

Yes, chronic illnesses are also part of the accident insurance coverage. However, when purchasing insurance, the insurance company will make a series of inquiries about the health status of the insured, and the content of these inquiries is health information. Correct health notification is an important part of the insurance process.

Whether or not you are truthfully informed when applying for insurance is closely related to whether you can successfully obtain a claim in the future, especially in the case of insurance with illness, if you do not tell the truth, it is likely to cause a claim dispute. For different products, the requirements for health notification are different, some are strict and some are relaxed, mainly depending on whether you will choose. Accident insurance.

If the worst-case scenario occurs, that is, there is no way to find the right medical insurance to buy, you can consider using different types of insurance to protect yourself, critical illness insurance, cancer insurance and accident insurance are also good choices.

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Summary. Both healthy people and people with chronic diseases can purchase social security, and social security has no restrictions on age and other conditions. In commercial insurance, chronic diseases depend on what kind of disease they are, and under normal circumstances, if you already have a certain disease, especially a chronic disease, it is more difficult to buy hospital medical insurance.

Critical illness and life insurance is subject to underwriting and should be purchased with the truthful information that it may be covered, may increase the premium, or may not cover the related illness medical expenses; Or they will be denied insurance. However, accident and accident medical treatment can generally be purchased separately. There are a few things you need to pay attention to when applying for insurance:

Inform us truthfully about your condition, prepare your previous hospitalization records and recent physical examination reports, and carefully read the insurance liability and exclusion clauses of the insurance you have insured.

Dear: Hello, you can, you can buy it.

Both Jianqin Weikang people and patients with chronic diseases can purchase social security, and social security is not limited by conditions such as age. In commercial insurance, chronic diseases depend on what kind of disease they are, and under normal circumstances, if you already have a certain disease, especially a chronic disease, it is more difficult to buy hospital medical insurance. Critical illness and life insurance are subject to underwriting, and Luyuan should be truthful when purchasing, it may be able to underwrite, it may increase the premium, or it may not cover the related illness medical expenses; Or they will be denied insurance.

However, accident and accident medical treatment can generally be purchased separately. When applying for insurance, you need to pay attention to the following points: truthfully inform your medical condition, prepare your previous hospitalization records and recent physical examination reports, and carefully read the insurance liability and exclusion clauses of the insurance you have taken.

Summary. If you have a chronic illness, you can buy critical illness insurance. If you have a chronic disease, then you can choose to buy some insurance that involves death liability and has little to do with health, such as accident insurance, commercial endowment insurance, etc., of course, critical illness insurance, life insurance, medical insurance, cancer insurance and other health-related insurance can also be bought, but whether the specific insurance can be successfully insured depends on the regulations of the insurance company.

If you have a chronic illness, you can buy critical illness insurance. If you have a chronic disease, then you can choose to buy some insurance that involves death liability and has little to do with health, such as accident insurance, commercial endowment insurance, etc., of course, critical illness insurance, life insurance, medical insurance, cancer insurance and other health-related insurance can also be bought, but whether it can be successfully insured depends on the regulations of the insurance company.

The Privilege eLife 2021 Chronic Disease Edition is the version of the Privilege eLife 2021 for chronic patients, and it differs from the ordinary version in the following three points: The coverage age requirements are strict, only covering adults aged 18-60; The reimbursement rate was reduced from 100% to 90%; The deductible has been greatly raised, with 0 deductibles for critical illnesses under the age of 60 in the ordinary version, while the blind oak in the chronic disease version is a deductible of 10,000 yuan for general medical treatment, critical illness medical treatment and out-of-hospital drug purchases.

The critical illness insurance amount is 6 million, and there are as many as 83 kinds of cancer drugs outside the hospital, and the basic bureau has comprehensive protection, with proton and heavy ion medical treatment, cancer out-of-hospital drug purchase, hospitalization advance, critical illness green pass and other services. There are also several types of protection that can be selected from overseas medical treatment, special medical treatment for specific diseases, and insurance benefits for middle-aged and elderly special diseases, which are more flexible and can meet a variety of insurance needs.

1. The process of handling chronic disease medical insurance is as follows: prepare your ID card and household registration book, apply for it at the medical insurance window of the medical insurance center, apply for medical insurance according to the prompts of the staff and follow the procedures, and collect the medical insurance card at the service point within the specified time;

2. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Can I still buy commercial medical insurance if I have a chronic disease?

1. Buying commercial medical insurance for chronic diseases depends on the specific situation, and you can choose conditional insurance according to your specific condition;

2. Chronic patients can choose some types of insurance that have little to do with health and involve death liability, such as endowment insurance, accident insurance, etc.;

3. When applying for insurance, you also need to truthfully inform your condition, prepare your previous hospitalization records and recent physical examination reports, and carefully read the exemption clauses and insurance responsibilities of the insurance you have insured.

How to use your Chronic Disease Health Insurance Card for the first time.

1. The parties can enable the SMS through the self-service SMS platform, enable the financial function of Youmu Cover and enable the on-site activation of the handling agency;

2. If the outpatient expenses of 12 chronic diseases exceed 800 yuan, the supplementary medical insurance** payment ratio is 70%, and the maximum payment limit is 2,500 yuan; If the self-payment exceeds 600 yuan for those over 70 years old, the supplementary medical insurance** payment ratio is 80%, and the maximum payment limit is 3,000 yuan.

Legal Basis for CollapseArticle 23 of the Social Insurance Law of the People's Republic of China.

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who do not participate in the basic medical insurance for employees in the employer, and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

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If you have a chronic illness, you can buy annuity insurance and accident insurance, because these two types of insurance generally do not require health notice. Chronic diseases such as high blood pressure have the opportunity to purchase critical illness insurance, medical insurance, and life insurance. Whether you can buy health insurance and life insurance depends on the degree of illness, health notice and other factors.

Don't know enough about insurance? Then you may wish to take a look at this article before you take out the insurance:

Before buying insurance, you must first understand these key knowledge points!

When applying for health insurance, it is generally necessary to make a health notice, and the content asked by the insurance company on the health notice questionnaire needs to be truthfully informed, otherwise it may affect the later claim. When choosing a product, you can choose a product with a more relaxed health notice, for example, some products will not ask if you have chronic gastritis or leakage. Space is limited, friends with chronic diseases can take a look at this insurance strategy with illness:

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

In fact, some people only understand the importance of insurance after they get sick. However, if you buy an insurance like health insurance, you can usually get covered sooner if you buy it early. For example, critical illness insurance protects against the financial risks caused by the occurrence of a critical illness, covering expenses and loss of income.

For example, medical insurance can reimburse more than the deductible, and the medical expenses within a reasonable range of the insured amount can effectively reduce the pressure of economic expenditure, which is a very necessary product to buy. Senior sister has sorted out some things that should be paid attention to when buying insurance, so don't miss it:

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

That's all there is to it! Hope that helps!

Hope!

Whether patients with chronic diseases can be insured or not should be judged according to the actual situation. There are many types of chronic diseases, such as chronic respiratory diseases, diabetes, hypertension, hyperlipidemia and other diseases. If the insured suffers from mild hypertension or other chronic diseases with relatively mild symptoms, there is still a chance to apply for certain critical illness insurance and medical insurance with more relaxed health notices.

However, if the patient's symptoms are severe, such as high blood pressure, systolic blood pressure greater than 170mmHg and diastolic blood pressure greater than 110mmHg without medication. In this case, it is difficult for the insured to buy critical illness insurance and medical insurance. However, there are still opportunities to apply for cancer insurance, accident insurance, and other health notices that are more relaxed, or there is no health notice insurance.

In order to allow patients with chronic diseases to be insured, the senior sister has summarized several critical illness insurance with relaxed health notices, which can be obtained by clicking the link below:Latest! Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

Of course, the senior sister also suggests that patients with chronic diseases must truthfully inform their health when applying for health insurance such as critical illness insurance and medical insurance, because if there is an error in the health notice, it may affect the subsequent claims. However, you don't need to be too nervous, you can be truthful about the health situation asked by the insurance company, and you don't need to take the initiative to mention what you don't ask.

If the health notification is not passed, we can also try to go through the "underwriting" process, in order not to leave traces of underwriting, you can give priority to products that support intelligent underwriting for insurance. You don't have to be obsessed with one product, you can also take a look at other high-quality products of the same type on the market. Hope!