Chinese life which products can protect children from congenital heart disease

Congenital diseases must be exempt from liability, and the regulations of the whole industry are basically the same.

It is advisable to tell us truthfully and wait for the underwriting result of the insurance company.

Ask your own ** person in detail.

You can consider Zhongyi Life Insurance, which has light and heavy insurance, which covers 50 major diseases.

This congenital heart disease is denied by any company, you have to consider other people's other items!

Only children sold online are insured for maternity and postnatal maternal and child medical care before birth.

There is no insurance to cover congenital heart disease.

Congenital heart disease is not insurable by any company, and it is a lie to say that anyone can insure it.

Just tell the truth when you apply for insurance, and increase the insurance fee after review, but there is no way not to invest in health insurance, you can apply for financial insurance.

Hello! Congenital diseases are not guaranteed.

None of these products can protect against congenital diseases.

All congenital conditions are not covered.

Congenital diseases are denied!

Congenital insuredness is also a denial of compensation.

Xueba talks about insurance, focusing on insurance product evaluation! Do you know what insurance your child buys at all ages? Click on the article to view:Designed for 9-year-olds! Comparison Table of 136 Popular Critical Illness Insurance in China

When the child is 9 years old, he is very curious about everything in the world, and most of them start to go to school and come into contact with the outside environment.

At this time, to buy insurance for the baby, the idea of insurance should be:Children's medical insurance + critical illness insurance + medical insurance + accident insurance

1. Children's medical insurance

Children's medical insurance is a national welfare insurance, the best practice is to go to the household immediately after the baby is born, and then buy children's medical insurance in the month of entry, and we can get the most basic medical security given by the state to the baby. The insurance age of children's medical insurance is as high as 16 years old, and the premium is also affordable.

2. Critical illness insurance

Critical illness insurance, the main risk is that the child has a serious illness, but the family's financial situation cannot afford it. At present, if you don't have a lot of money, you can buy a critical illness insurance with an insurance amount of 500,000 yuan, and there are also four or five hundred yuan a year.

Critical illness insurance abounds on the market, but there are not many that are exactly suitable for children to insureDesigned for 9-year-olds! Top 10 [Cheap and High-quality] Children's Critical Illness Insurance in 2020".

3. Medical insurance

Many people think that one or the other is enough to have one or the other, and think that they have no problem with social health insurance. But the truth is that in the face of serious illness, the reimbursement ratio of social medical insurance is very limited, and most of the good drugs and best means are not within the scope of reimbursement. Therefore, medical insurance can be regarded as a "supplement" to children's medical insurance to reimburse the part that is not covered by medical insurance.

4. Accident insurance

In the event of death, disability and medical expenses due to an accident, the insurance company will pay the claim. According to the data of the National Organization for Child Safety, it is concluded that the first cause of death of children under the age of 14 in China is accidental injury.

Injuries such as falls, burns, animal bites, sharp injuries, etc., are common causes of accidental injuries in children.

Therefore, when purchasing a child accident, parents should pay special attention and give priority to accident insurance with adequate accident medical protection. A good accident insurance must be as low as possible with a deductible, and the higher the reimbursement ratio, the better.

The premium of accident insurance does not increase with your age, so you can buy accident insurance for a one-year term. I've selected the best accident insurance for your child on the marketDesigned for 9-year-olds!

Top 10 Best Children's Accident Insurance to Buy in 2020Hope!

Hello landlord, at present, in the children's critical illness insurance, congenital diseases are not covered, do you mean that you have already had surgery to recover? Are you still going to have surgery in 2 months to do the insurance? If you do, you will be denied insurance!

Congenital heart disease is a type of cardiovascular malformation caused by abnormal development of the heart and large blood vessels during the fetal period. The incidence is about 1% to 1% of live births. Without timely treatment, about one-third of children die of serious complications one year after birth.

A small percentage of congenital heart disease. They have a chance to heal themselves before the age of 5. For example, the common orifice is not closed, which generally grows well at the age of one to two years old, and has little impact.

There are many types of congenital heart disease, whether you are blind or not, whether you have accepted ** and recovery, and you will be treated differently during the underwriting process.

For children and adolescents, if congenital heart disease is not present**. Insurance companies generally choose to extend. It has been **, and a comprehensive judgment will be made according to the specific ** post-review situation, and the underwriting results are generally uncertain.

Test your anti-risk index, experts will interpret it for you for free!

Regarding the question of what insurance can be bought for congenital heart disease, it is necessary to analyze the specific problems in combination with the actual condition of the patient, the specific type of insurance, and the health notification of the product and whether the underwriting is relaxed. Before the official introduction, the senior sister will first present a super practical strategy for insuring sick insurance to the friends:Remember these 5 steps to get you sick and get out of the insurance smoothly!

First of all, most of the accident insurance and annuity insurance do not involve health notice, and most patients with congenital heart disease can be insured normally. For medical insurance and critical illness insurance, which are two types of insurance with relatively strict underwriting conditions, whether they can be insured depends on whether the product health notice and underwriting are relaxed and whether the specific condition is determined.

If the patient has serious heart disease, such as coronary heart disease, angina pectoris, etc., the possibility of successful insurance for critical illness insurance and million medical insurance is relatively small.

If the patient's condition is relatively mild, as long as you choose a product with a more relaxed health notice, you still have a chance to successfully apply for insurance. Take Tongfang Global's Versailles Plus Critical Illness Insurance as an example, if the type of congenital heart disease of the friends belongs to one of the four types of atrial septal defect, ventricular septal defect, patent ductus arteriosus, and patent foramen ovale, and has undergone surgery** for more than 2 years, or has healed on its own, and the current ultrasound and electrocardiogram are completely normal, it can be covered by the standard. For those who are interested in Versailles plus, you can read this article:

Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

Finally, the senior sister reminds everyone that we must follow the principle of maximum integrity and tell the truth in the health notification process. Do not deliberately conceal it in order to successfully apply for insurance, so that there may be difficulties in claiming claims in the future. Senior sister is also here to give you a collection of health tips, you can refer to it:

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

Accident insurance can be purchased.

For the choice of insurance type, it is recommended to give priority to purchasing accident insurance. Under normal circumstances, for congenital heart disease insurance, life insurance and critical illness insurance, the general insurance company will postpone the coverage for non-surgery and surgery within one year, and the insurance company may consider allowing the standard rate to underwrite for those who have undergone surgery for more than five years.

If you are insured with medical insurance, the general insurance company will not cover the general congenital heart, no surgery, no surgery** or within three years after surgery, and the insurance company will usually add additional exclusions in other cases. For severe congenital heart disease, the insurance company will generally refuse to cover life insurance, critical illness insurance or medical insurance.

Insurance companies usually adopt different treatment methods when underwriting according to different disease levels, and it is recommended to consult one or two more professional insurance companies, because different companies will have different scales when underwriting. If the insurance company allows you to take out insurance, you can consider taking out some medical compensation insurance to get daily medical coverage.

Dear customers, commercial insurance is exempt from liability, in which congenital diseases are not covered by insurance, so it may be troublesome to buy critical illness insurance in the situation you mentioned, but accident insurance can be done, and it is recommended that you can go to social security for medical treatment.

Hello customers!If you have congenital heart disease, you must not buy serious health insurance, but some companies' pension insurance and accident insurance can be handled, and at the same time, you should truthfully inform in the remarks column that the risk accidents that occur due to congenital heart disease are not compensated.

Hello, unfortunately, congenital heart is exempt from liability and cannot be purchased with commercial insurance. It is recommended that you improve the medical insurance for urban residents for your children.

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

The insurance company will also have relevant regulations, if you have congenital heart disease, you can't buy some insurance insurance, you can buy accident insurance.

Can't walk, congenital heart disease, what insurance can I buy?If you have congenital heart disease, you can buy critical illness insurance.