1, travel insurance and accident insurance: because you don't have to tell your health status, it's not affected at all.
2. Family property insurance and millions of medical services: Although there is a health notice, it does not involve the vision problems of the insured.
3. Critical illness insurance and term life insurance: Pay more attention to myopia, especially high myopia. Because of the high amount of claims involved in critical illness insurance and term life insurance and the long guarantee period, any unstable factor may become the decisive factor in the guarantee process.
(1) critical illness insurance:
A considerable number of critical illness insurance products require the insured's vision. Moreover, in the process of underwriting high myopia, the conditions are quite harsh, either directly refusing to insure or exempting from liability, which shows that the underwriting company of critical illness insurance products attaches importance to the vision of the insured.
(2) Term life insurance:
Term life insurance has much looser requirements for the insured's vision health information than critical illness insurance.
For example, the health information of term life insurance products such as Beijing Life Insurance Jingcainianhua, Ruitairihe is relatively vague, mainly relying on the self-perception of the insured. For example, long-term myopia is 65,438+0,000 degrees, and the degree does not increase rapidly within 65,438+0 years, you can take out insurance normally.
However, there are also some term life insurance such as Hongkang Dabai's fixed life (70 years old). After consulting the insurance company, the reply was high myopia 1000 degrees or above.
Final summary:
At this stage, high myopia will not be the main obstacle to insurance, because there are not many products that explicitly limit myopia. Whether it is critical illness insurance or term life insurance, the insured can completely insure insurance products without limiting vision.
But people should pay attention to myopia, especially high myopia, which not only affects daily life and induces eye diseases, but also may become an obstacle to commercial insurance in the future.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.