Accident insurance does not need health notification, can disabled people buy it?

Relatively speaking, the insurance conditions of accident insurance are relatively tolerant, and the only strict restriction is the occupation of the insured. Unlike health insurance, it requires higher age and physical illness. General accident insurance also requires the insured to be healthy in the insurance notice, but the definition of physical health is different from medical insurance, critical illness insurance and personal insurance, requiring the insured to be a natural person who can work or live normally.

If it is a disability, you need to consider the specific degree of disability. To be sure, you can't buy accident insurance for severe disabilities. For friends with stable work income and relatively light disability, buying accident insurance is the same as normal people, and there is no problem. If it is moderately disabled, and the degree of disability is stable, it will not affect normal life and will not cause other diseases. The insurance company will exclude the insured's disabled parts or increase the expenses according to the situation. However, due to the type and scope of disability, disabled people buy accident insurance. It is suggested that it is best to insure offline, so as to facilitate the insurance company to manually underwrite the insured and avoid the dispute that the insurance accident cannot be settled after unauthorized purchase. In addition, it should be noted that accident insurance has the highest coverage for disabled people. When buying accident insurance, be careful not to exceed this limit to avoid unnecessary waste.