Can I still buy insurance if I have a chronic disease card?

Can I still buy insurance if I have a chronic illness card? It depends on what kind of insurance we buy.

Chronic disease is a general term for diseases that do not constitute contagion but have long-term accumulation to form disease form damage. Among them, chronic diseases mainly include chronic obstructive pulmonary emphysema, asthma, chronic cor pulmonale, chronic respiratory failure, silicosis, pulmonary fibrosis, chronic heart failure, and coronary heart disease.

Congenital heart disease, high blood pressure.

Valvular heart disease, chronic endocarditis, myocardial disease, chronic pericarditis, chronic gastritis, peptic ulcer, intestinal tuberculosis, chronic enteritis, chronic diarrhea, chronic hepatitis, cirrhosis, chronic pancreatitis, chronic cholecystitis, chronic nephritis, chronic renal failure, chronic inflammation of the urinary system, chronic anemia, chronic myeloid leukemia, chronic lymphocytic leukemia, chronic lymphoma, chronic lymphocytic thyroiditis, hyperthyroidism.

Hypothyroidism, diabetes.

Nutritional deficiencies, gout.

Osteoporosis, rheumatoid arthritis, systemic lupus erythematosus, ankylosing spondylitis, Sjögren's syndrome, vasculitis, idiopathic inflammatory myopathy, systemic sclerosis, osteoarthritis, etc.

If you have a chronic disease, if you want to take out insurance, it depends on the specific situation, and you can choose a conditional insurance according to your specific condition. It is recommended that chronic patients can choose some types of insurance that have little to do with health and involve death liability, such as pension insurance.

Accident insurance, etc. Of course, at present, for some chronic diseases such as hypertension, chronic hepatitis, etc., medical insurance and critical illness insurance related to physical health also have the opportunity to be insured, which needs to look at the review indicators of these chronic diseases. When applying for insurance, you also need to truthfully inform your medical condition and prepare your previous hospitalization medical records.

and a recent medical examination report, carefully read the exclusion clauses and insurance responsibilities of the insurance you have insured.

In addition, after applying for insurance, there may be the following results: physical examination, additional fee, special contract, extension, refusal of insurance, etc. In the end, whether it can be covered or not is determined by the insurance company on a case-by-case basis.

If you have symptoms of a chronic disease and want to buy commercial insurance, you need to consider it on a case-by-case basis, and you can't generalize.

In this case, there is generally no way to buy insurance, especially commercial insurance, but social security should be able to be purchased.

Introduction: Nowadays, many people will buy an insurance for their future illness or accident, but many people do not know which insurance they are suitable for and the restrictions when buying insurance, and they do not know what kind of insurance they should choose for their corresponding situation. <>

First, the reason for buying insurance is now many people in this society to survive and do not have a sense of security, no sense of security will not have a sense of happiness, as a sudden accident many families are unable to afford it, many people have accidents are not caused by ignorance but because of poverty, not without hope of living are in the face of high medical costs when the sense of powerlessness, so many people in order to ensure the safety of themselves and their families, will choose an insurance to establish a protection for themselves, In the event of an accident or major accident, you can rely on insurance to protect yourself. <>

Second, the precautions for buying insurance to help the elderly buy insurance as early as possible, it is best to choose accident insurance for the elderly, the insurance protection time of children should not exceed 18 years old, and the amount of insurance should be suitable, the amount of insurance for young adults should be sufficient and the protection should be perfect, and users should be cautious when buying insurance to sign the contract, to determine the insurance claim standard and the integrity of the system, can not blindly listen to the explanation of the insurance seller, When purchasing, you should shop around to learn insurance knowledge, so as to avoid a series of bad problems after being cheated. <>

3. Can I buy insurance for chronic diseasesCan I also be insured in the case of chronic diseases, and people with such diseases can choose insurance with more relaxed health notices, such as cancer insurance. Because chronic diseases are a problem that everyone cannot avoid, users should first buy social security because it is an important part of the social group, but customers who need to buy insurance understand that each person can only be reimbursed for three chronic diseases, and more than three can not be reimbursed. When buying insurance, you should pay attention to the situation and tell the truth, because only mutual trust can make insurance play its value.

The first thing you can buy is social insurance: social security or cooperative medical insurance. 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, with exclusions or additional coverage. Accident and accidental medical treatment can be applied for separately to purchase chronic diseases, in addition to being active, but also focusing on recuperation.

Social medical insurance means that when a worker is sick, the social insurance institution will provide appropriate subsidies or reimbursement for the medical expenses he needs, so that the worker can recover his health and working ability and put into the process of social reproduction as soon as possible. Social medical insurance is an important part of social insurance, which is generally undertaken by the government, and will be enforced and organized and managed by economic, administrative and legal means.

If you have a chronic disease, you can choose some types of insurance that involve death liability and have little to do with health, such as accident insurance, endowment insurance, etc., while critical illness, term life insurance, and whole life insurance may be underwritten, excluded, or denied coverage.

It is worth noting that when some people buy insurance, they will deliberately conceal the true situation in order for the insurance company to underwrite normally. Once a claim occurs for sick insurance, the insurance company will refuse to pay after discovering it, and the paid fees may not be refunded in serious cases. Truthfully informing the purchase of insurance is a matter of integrity, and only mutual integrity can make insurance valuable.

Therefore, when purchasing, it is necessary to truthfully inform the condition of the patient, prepare the previous hospitalization records and recent physical examination reports, and carefully read the insurance liability and exemption clauses of the insurance to avoid small problems that lead to problems in later claims. After the purchase of insurance is truthfully informed, the insurance company may have the following results when underwriting, such as physical examination, fee increase, special contract, extension, refusal of insurance, etc. In the end, whether and which types of insurance can be underwritten are all decided by the insurance company on a case-by-case basis.

If one company refuses insurance, you can try several more companies as each company has different requirements.

Insurance can be purchased. However, it is also very appropriate to decide according to your actual situation, and at the same time to be able to get the corresponding reimbursement. However, there are restrictions on the types of insurance that can be purchased, and the requirements are different.

Chronic diseases can be insured, and the reimbursement coverage of critical illness insurance is still relatively good, but there are restrictions. There are age restrictions, and there will be precautions, of course, everyone's situation is different, and the restrictions are different.

If you have a chronic illness, you can also buy insurance, you can talk to the insurance specialist about your chronic disease when buying insurance, and if the other party says no, don't buy it. Generally, people with chronic diseases can buy critical illness insurance and medical insurance, and other insurances can be bought.

Yes, it can be purchased, there may be different reimbursement ratios, there will also be relevant regulations, there will be different requirements, there will be restrictions on the purchase of insurance products, and there will be different consumption.

Having a chronic illness card has no effect on the individual.

Applying for a chronic disease card not only has no impact on the individual, but also for some patients with chronic diseases such as hypertension, rheumatism, heart disease, anemia, diabetes, etc., if there is a chronic disease card, the outpatient prescription can be reimbursed proportionally, which can greatly reduce the burden on the family. There are also patients with chronic diseases who have a chronic disease card, and they can pick up their medicine at the hospital without queuing**, and they can pick up their medicine directly.

Since patients with chronic diseases are generally in stable condition, they do not need to be hospitalized for a long time**, and only need to be treated regularly in an outpatient clinic. If you have a chronic disease card, you can also enjoy reimbursement treatment in outpatient diagnosis and treatment, and the reimbursement ratio is no different from the inpatient reimbursement ratio, which greatly reduces the pressure on chronic patients' medical expenses.

Precautions for the use of chronic disease cards:

1. When the insured residents visit the outpatient patients with chronic diseases, they should bring this book to the designated medical institutions for outpatient treatment, and if they need drugs, the maximum amount of drugs prescribed shall not exceed 30 days.

2. There is no starting line for chronic disease compensation, the proportion of reimbursement within the policy is 65%, the proportion of outpatient chronic disease reimbursement for poor people who have established a file is 85%, and the outpatient chronic disease reimbursement is subject to a monthly fixed amount of compensation, which is limited to the use of the current month.

3. The outpatient chronic disease medical expenses incurred by the insured residents in the designated outpatient chronic disease hospitals shall be settled immediately, and the insured residents with chronic diseases only need to pay the part borne by themselves.

4. The township health center where the household is located, the general hospital of the medical and health service group and the designated hospital in the jurisdiction are designated hospitals for patients with chronic diseases.

5. The validity period of outpatient chronic disease qualification shall be subject to the validity period of the chronic disease medical certificate, and those who need to continue to enjoy it after the expiration of the validity period shall participate in the review. <>

You can choose to take out a health insurance with less stringent health notices, such as cancer insurance. You can also take out insurance that does not require health training, such as annuity insurance.

Huimin Insurance, Accident Insurance, and Insurance.

life insurance, etc. When accepting a customer's application for insurance, insurance companies require the customer to fill out a health notice, which is a description of the health condition. Once underwritten by the insurance company, the health notification letter will become an integral part of the insurance contract.

Chronic disease. The procedures required for reimbursement are as follows:

1. Write an application in the name of the insured and write it to the social security management office of the area where the household registration belongs;

2. Outpatient medical records of ** diseases, hospitalization records within two years, including discharge summary.

Original and photocopy;

3. Fill in the "Severe Illness Application Form" at the Social Security Office of the jurisdiction of the household registration;

4. Together with the information, send it to the Medical Insurance Department of the Regional Social Security Management Office for review and distribution;

5. After the regional social security audit is passed, it will be identified by the designated hospital;

6. After the identification hospital is stamped, go to the regional social security review and tell the hospital to be designated.

The social security card can purchase some chronic disease drugs, and other chronic disease drugs need to go to the hospital to issue a certificate, and then go to the relevant units for approval.

Extended information] The social security card and the card record the cardholder's name, gender, citizenship number and other basic information, the card identifies the cardholder's personal status (employment, unemployment, retirement, etc.), and can record the cardholder's social insurance payment, pension insurance personal account information, medical insurance personal account information, professional qualifications and skills, employment experience, work-related injury and occupational disease disability, etc. The social security card is an electronic voucher for workers to do things in the field of labor security. Cardholders can use the card to seek medical treatment and settle their personal medical insurance account; You can handle pension insurance affairs with your card; You can go to the relevant departments to go through the formalities of job search registration and unemployment registration, apply for unemployment insurance money, and apply for employment training; You can apply for labor ability appraisal and enjoy work-related injury insurance benefits with the card.

In addition, the social security card is also the key in the hands of the worker to open the door to the system, with this key, the cardholder can check the information online, and in the future, the relevant labor and social security affairs can be handled online.

The financial application of the social security card with financial functions is a RMB debit application, and the credit function is not supported for the time being. The card medium is generally a contact chip card, but there are also social security cards issued by banks with a dual-interface card of contact + non-contact, and the social security card is temporarily transitioned in the form of a chip plus a concealed magnetic stripe composite card, and the chip should contain both human resources and financial applications. The social security card adopts the unified standard for returning to China in the whole town, and the social security number adopts the citizenship number in accordance with the relevant provisions of the "Liangzhuan Social Insurance Law".

From then on, the social security card will be added to the financial function, and the whole country will be unified.

The role of the social security card 1personal social security related records, electronic vouchers and information inquiries, etc.; 2.Record the basic information such as the name, ID number, date of birth, gender, ethnicity, and household registration location of the insured person; 3.

Inquire about your pension, unemployment, medical, work-related injury and maternity insurance contributions; 4.You can go to the hospital with the card for medical treatment, settle the personal account of medical insurance, and buy medicine at the pharmacy; 5.Handle social security affairs such as medical care, unemployment, pension, work-related injury and maternity; 6.

Inquire about the cumulative total amount of pension insurance and medical insurance; 7.Handle social security affairs such as receiving pensions, register for job hunting and unemployment, apply for unemployment insurance benefits, apply for vocational training, etc. 8.

Used for identification.

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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