In general, the health notification in commercial medical insurance and critical illness insurance requires the insured not to suffer from mental illness. For mental patients, insurance companies generally refuse to underwrite.
If you have serious mental illness, need to take medicine for a long time, and even can't live and work normally, then you won't be able to buy commercial insurance.
If you only leave a record of mental illness in the hospital, you can live and work normally without taking medicine for a long time in recent years, you can try to buy commercial insurance and underwrite it offline. The results of underwriting are generally: the subject matter passes, the acceptance is postponed, the cost is increased, and the insurance is exempted or refused.
If you have mental illness and want to buy insurance, you can also consider buying cancer insurance. General cancer insurance has no restrictions on mental illness. If it meets other contents in the health notice at the same time, it can be purchased.
According to the claim data of an insurance company, malignant tumors account for 58% of the claims for major diseases. When critical illness insurance cannot be bought, cancer insurance can be used as a partial substitute for critical illness insurance.
Insurance companies have the right to refuse to pay compensation if they fail to tell the truth when they are insured for mental illness. Details are as follows:
1, within 2 years after the contract comes into effect: inform the insurance truthfully and settle the claim within 2 years; If the insurance is not informed truthfully, once found, the insurance company will refuse to pay compensation and terminate the contract. If the situation is not good, the premium will not be refunded.
2. Two years after the contract comes into effect: whether the two-year incontestable clause can be settled after two years ultimately depends on whether the accident belongs to the agreed insurance accident and whether it meets the conditions for settlement.