The insured belongs to pre-diabetes, has no liver injury or complications, and has no risk factors, so life insurance and critical illness insurance may have higher underwriting costs;
Once the insured is diagnosed with diabetes, he can hardly buy medical insurance and critical illness insurance;
For gestational diabetes, if postpartum blood sugar returns to normal, critical illness insurance can be underwritten according to the standard body.
The insured suffers from the diseases involved in health notification, and the insurance company will generally take the following four ways to deal with them, except that some of them are underwritten according to the standard body:
1, premium underwriting: compared with standard insurance, pay a little more premium and enjoy the same protection;
2. Excluded liability: the disease and its complications are not covered by the coverage, and other coverage is consistent with the standard body;
3. Deferred underwriting: the insurance company will observe the insured for a period of time and then make an assessment according to the health and risk status;
4. Direct refusal of insurance: The insured with certain diseases is not covered.
These insured diabetics can also buy them.
A complete protection scheme generally looks like this: medical insurance+accident insurance+life insurance+critical illness insurance. However, the threshold of diabetes insurance is relatively high, and not every type of insurance has a suitable product that can pass the notice review.
The following dad introduces several kinds of insurance that diabetics can buy:
1, accident insurance
Accident insurance mainly covers death or total disability caused by accidents. There is generally no requirement for health notification, and most people can buy it.
2. Medical insurance
In the market, medical insurance that diabetics can be informed of is rare.
Zhong 'an 'an E Health Insurance (exclusive for diabetes and hypertension) allows patients with type 2 diabetes to take out insurance. The male is 30 years old and the annual premium is 386 yuan. The coverage includes: 500,000 inpatient medical insurance and 50,000 special outpatient medical insurance.
However, the health notification is relatively strict, and only patients with mild type 2 diabetes can pass the health notification:
Moreover, it should be noted that if you have diabetes and high blood pressure at the same time, you can't insure a stable E-student.
3. Cancer medical insurance (reimbursement type)
The characteristics of cancer medical insurance are that it only covers cancer, and the health information is loose, so diabetics can take out insurance. Anti-cancer medical insurance is cost-effective. A 30-year-old man can get 2 million cancer treatment insurance with no compensation by paying the premium of 200 yuan every year.
Compared with Zhongan 'an e health insurance, anti-cancer medical insurance only covers cancer, which is not comprehensive enough, but the high coverage of cancer is a good choice.
4. Cancer insurance (compensation)
The incidence of cancer accounts for about 70% of serious illness, and cancer insurance can be a good substitute for people who cannot be informed by serious illness insurance.
Like the characteristics of cancer medical insurance, cancer insurance only covers cancer, and health information is loose. Off-site, cancer insurance payment. Once you get cancer, you can get a lot of compensation from the insurance company to compensate for the rehabilitation expenses after the disease is cured.
5. Tax-excellent health insurance
This is a policy product specially provided for taxpayers. You can insure against illness, and there is no waiting period. Its essence is one-year medical consumption insurance plus universal insurance.
/kloc-non-retirees aged 0/6 can apply for insurance as long as they provide tax payment certificates for more than one year. The annual fixed payment is 2400 yuan, part of which is used to pay medical insurance, and the rest is accumulated in personal accounts.
At present, the promotion of tax-excellent health insurance products is not ideal, and most of them can only be insured by groups, which is more troublesome to operate. Friends who want to insure can try to call the customer service of the insurance company to consult the purchase method.
6, diabetes specific disease insurance
Due to the huge number of diabetic patients, insurance products for diabetic patients have been launched in the market to protect complications caused by diabetes.
Most products have low insurance coverage and short warranty period, so it is not recommended to buy such products, because the lower insurance coverage can not give consumers good protection. Dad collected the exclusive insurance products for diabetics on the market:
Zhongan insurance diabetes complications protection
China Taibao Taibao
Ping 'an Healthy Kongtangbao
Kunlun Health Diabetes Complications Insurance
The most cost-effective: Kunlun health diabetes complications disease insurance. In addition to several common complications, it also protects acute myocardial infarction and five mild complications. 30-year-old male, with the insured amount of 50,000 yuan, pays 230 yuan every year. Compared with other products, the coverage is more comprehensive and the price is very friendly to consumers.
Teenagers can be insured: Zhongan Insurance protects diabetic complications. Other products are insured over the age of 30, while Zhongan Insurance accepts diabetic patients under the age of 30 to insure diabetic complications.
Pursuit of high coverage: Kunlun Health Diabetes Complications Insurance has a maximum coverage of 500,000. If you need higher protection, you can choose this product.
Friends who need long-term protection can look at several long-term products on the market: Taikang Life Sweet Life A, China Taiping Sweet, China Merchants Cigna Worry-Free Diabetes Insurance, and Kunlun Health Diabetes Lifelong Disease Insurance (A).
To sum up, insurance is a safeguard tool and cannot solve the fundamental problem of diabetics.
The key to fight diabetes is to rely on yourself, follow the doctor's advice and learn more about the basic knowledge of diabetes and its prevention and treatment methods: on the basis of drug treatment, control blood sugar through good eating habits; Proper exercise and exercise to keep fit and avoid obesity; There is another point of view, to maintain a cheerful, open-minded and optimistic attitude.
Bababao is a professional third-party insurance assessor. For more insurance dry goods, please visit Bababao official website.