Erosive gastritis has certain medical insurance restrictions. Different products have different emphasis, which is mainly related to the health notification of the insurance company corresponding to the product. Whether you can insure normally depends on health notification and underwriting conditions. Erosive gastritis can be divided into acute erosive gastritis and chronic erosive gastritis. Therefore, it is friendly to insure against stomach diseases, but it is relatively difficult to insure against serious chronic diseases. If you need medical insurance, you can choose the products of several insurance companies or offline products for underwriting, mainly looking for insurance products with low requirements for stomach diseases.
Can erosive gastritis buy critical illness insurance?
Generally speaking, the risk of chronic gastritis developing into gastric cancer is still relatively high, so the critical illness insurance will also pay more attention to the situation of chronic gastritis when underwriting. If the insured belongs to acute gastritis, he can generally be insured as the insured when applying for critical illness insurance after being cured. If the insured belongs to chronic superficial gastritis, if the onset time is longer from now on and there are no other symptoms, he can be the main body to underwrite critical illness insurance. If the insured is a person with chronic superficial gastritis and intestinal metaplasia, the insurance company will make a comprehensive evaluation according to the infection of HP under the condition of relatively good overall prognosis. If HP is negative in the end, general critical illness insurance can be covered at an extra cost. If the applicant is chronic atrophic gastritis with intestinal metaplasia, the general critical illness insurance will be refused.
How to insure erosive gastritis?
Generally speaking, erosive gastritis belongs to acute erosive gastritis. Patients with acute erosive gastritis may be accompanied by hematemesis or melena, and the amount of bleeding is generally small, so ordinary people can stop it by themselves. In most cases, as long as the insured does not belong to chronic atrophic gastritis or autoimmune gastritis, it can basically be underwritten normally. But it depends on the critical illness insurance products insured by the insured.