Can I buy critical illness insurance if my physical examination is abnormal?

If the physical examination is abnormal, whether you can buy critical illness insurance depends on the situation. Once you have the previous physical examination and abnormal examination, and it happens to be within the inquired time range, I suggest you go through the process of intelligent underwriting first to see what your abnormal symptoms need and what to do. It is most convenient to determine the requirements of products and intelligent underwriting by yourself and conduct corresponding audits. If intelligent underwriting is impossible or uncertain, you can try manual underwriting.

The conclusion of underwriting is usually as follows:

1, theme underwriting, this is the best result.

2. Premium underwriting: There are some minor problems that insurance companies can cover, but they need to pay more premiums. This result is not bad.

3. Excluded underwriting: If a certain physical abnormality is detected, the insurance company will not cover a certain disease that may be caused by this abnormality, and other insurance responsibilities are normal, which is fortunate.

4. Deferred underwriting: the insurance company can't judge the degree of risk for the time being, observe for a period of time, and then decide whether to underwrite.

5. Refusal to insure: If the symptoms are found to be serious, the insurance company directly refuses to insure.

In addition, when choosing critical illness insurance for abnormal physical examination, you should also pay attention to the following points:

1. Choose products with loose health notification.

China's insurance health notification follows the principle of "ask and inform", and answers whatever you ask, without asking or answering. The underwriting standards of each insurance company are different, and the contents of "health notification" are also different. It is recommended to choose the most favorable product for insurance according to your health status.

2. Select "Smart Underwriting" or "Pre-underwriting"

If companies are required to tell the truth about abnormal health conditions, they can strive for more insurance opportunities through "pre-underwriting", because "pre-underwriting" is not a formal insurance and underwriting, but allows insurance companies to know their underwriting results through "pre-audit" before insurance, so that even if they are not satisfied, they will not leave any underwriting records. At present, many insurance companies accept "online intelligent underwriting" and "manual pre-underwriting"

"Intelligent underwriting" is underwriting according to the standard content, while "offline pre-underwriting" is generally looser than "intelligent underwriting", and underwriting personnel have a more detailed and humanized understanding, and can make more favorable insurance results according to experience, judgment and prognosis.

3, a number of insurance, tailored

The underwriting policy of each insurance company is different. You can insure in multiple companies and choose the product with the most favorable underwriting conclusion.

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