Not long ago, a large number of female friends with polycystic ovary syndrome told their senior sisters about their troubles through the background. They don't know how to choose insurance, and health insurance has hit a wall everywhere. My senior had an idea.
Why don't you listen to this, and senior sister will talk about those things about buying insurance for polycystic ovary syndrome.
Now, give your friend with abnormal health a shot in the arm. Remember these five steps, insurance will be very simple:
"Remember these five steps, so that you can be insured in spite of illness! 》
First, how to buy insurance for polycystic ovary syndrome? Does it have a big impact on critical illness insurance?
1, the idea of buying insurance for patients with polycystic ovary syndrome
(1) Don't worry about life insurance and accident insurance, take the lead in configuration.
Life insurance doesn't need a lot of health information. If the family with polycystic ovary syndrome is the economic pillar, it is necessary to take the lead in allocating life insurance, and then it can support the family.
Generally speaking, the accident insurance market does not require health insurance, which is undoubtedly very friendly to patients with polycystic ovary syndrome. In the face of accidents, everyone is the same. A million-dollar insurance only needs to invest 100 yuan, all it needs is peace of mind, and it won't suffer ~
(2) Medical insurance and critical illness insurance are closely followed, which can be insured and cast.
Medical insurance and critical illness insurance are different products of health insurance, and the insured must truthfully inform his health status. Generally, you will ask about health problems such as past medical history, previous physical examination results, and recent physical condition.
Originally, these two kinds of insurance have little chance of success for patients with polycystic ovary syndrome. If you can meet products with loose health insurance and good guarantee conditions, you still have to seize the opportunity. After all, polycystic ovary syndrome, as a unique disease of women, may lead to other diseases or even serious diseases. With these two guarantees, these problems can be solved.
(3) Pay attention to health notification and underwriting conditions.
Both patients with polycystic ovary syndrome and patients with other physical abnormalities should pay attention to these two aspects when purchasing health insurance: First, try to choose products with sufficient health information; Second, choose products with relaxed underwriting conditions.
At present, underwriting is mainly carried out through intelligent underwriting and manual underwriting. Intelligent underwriting is not only convenient, but also efficient, with immediate results and no trace, and will not affect other products insured later; More meticulous and humanized is the advantage of manual underwriting, and patients can also enjoy a higher success rate of insurance; So when choosing, products with both methods will be more popular.
2. Can PCOS get critical illness insurance?
Senior sister will give you a reassurance first. Patients with polycystic ovary syndrome can buy critical illness insurance.
But there are also different situations, because different insurance companies have different underwriting requirements for such diseases, and some directly refuse insurance; Some need further nuclear insurance, often including blood pressure, blood lipid, blood sugar and electrocardiogram.
To sum up, the critical illness insurance with strict requirements for polycystic ovary syndrome accounts for a relatively large proportion of the critical illness insurance.
However, Versailles plus, which is not very strict about underwriting recently, upgraded its underwriting system as a whole. On the one hand, it increases manual underwriting, on the other hand, it also supports reconsideration. In the face of the exclusion of the insured or the increase in expenses, if the condition improves or recovers, you can apply for re-examination, and there may be standard body underwriting!
Finding such a problem, Senior Sister quickly performed underwriting operation on the data of Polycystic Ovary Syndrome, and got such a result: Patients who only have Polycystic Ovary Syndrome, have received a comprehensive examination and have no cardiovascular risk factors, such as obesity, hypertension/blood lipid/blood glucose/glycosylated hemoglobin, can be underwritten by the standard body!
Only for patients with polycystic ovary syndrome, who have not received comprehensive examination or comprehensive examination and have cardiovascular risk factors, such as obesity, hypertension/blood lipid/blood glucose/glycosylated hemoglobin, etc., they can be insured manually! The chances of successful insurance are very high!
For people with abnormal health, easy critical illness insurance can increase their chances of success. Senior sister has prepared a practical article for everyone, which contains ten easy and serious illness insurance products:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
Having said that, the successful insurance has passed the first level. Because the guarantee condition is also a very important part, it still needs to be strictly controlled; And the quality must pass, in order to start with confidence ~
Second, what is the guarantee of Versailles plus? Is it worth starting with?
First, provide friends with the product protection map of Versailles plus:
As can be seen from the above picture, the guarantee content of Versailles plus is very sufficient. Next, the senior analyzes its advantages:
1, the extra compensation for serious illness is scientific and reasonable, which opens up a new direction.
Versailles plus has set different levels of extra compensation for serious illness for two age groups. Before the age of 60, the final diagnosis of the serious illness agreed in the contract can pay an additional 80% of the insurance coverage, so it means that the insured can get the basic insurance coverage of 180%; In addition, if you are diagnosed at the age of 60-64, you can get an additional 30% basic insurance coverage.
According to the insured amount of 500,000 yuan, it meets the standard of serious illness claims, and those who are diagnosed with serious illness before the age of 60 can be insured for 900,000 yuan. If you are diagnosed at the age of 60-64, you can get 650,000 compensation!
In other words, Versailles plus provides sufficient protection for retirement, giving the insured the opportunity to get more compensation and minimizing the pressure on the family. But also in line with the aging society and delayed retirement. It's really excellent!
2. The service of Lutong has bright spots, covering West China Hospital in Sichuan.
Versailles plus cooperates with more than 700 domestic top three hospitals. There are not only many well-known hospitals, but also Sichuan West China Hospital.
As we all know, West China Hospital in Sichuan is a difficult and severe diagnosis and treatment center in western China, and it is difficult to rank the number of this hospital! However, Versailles plus can arrange for patients to be hospitalized or operated in Huaxi Hospital within 1 month.
For patients, it is equal to enjoying the top medical technology and medical talents in China; With such good conditions, serious diseases will also improve the cure rate.
Not only that, Versailles plus also provides online expert consultation and private telephone doctors on the Internet; Even if you encounter an epidemic, you can consult online in time, which is very suitable for your academic needs.
Not only that, but his compensation for mild illness is still excellent in the market. His three cancer compensations all follow the development track of cancer, which is very scientific ... In short, Versailles plus still has many excellent points. You can look at this article, which makes a comprehensive evaluation of it:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
To sum up, it is not difficult for patients with polycystic ovary syndrome to choose insurance. In fact, accident insurance and life insurance don't have to worry too much. You can still apply for health insurance. Choosing products with relatively loose health insurance and underwriting is the first choice for everyone to insure, which can increase the probability of successful insurance.
For friends who want to buy critical illness insurance, senior sister suggests that you start with Versailles plus. After all, such excellent products are not common ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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