As we all know, health insurance, such as medical insurance and critical illness insurance, must be informed when purchasing. This also poses a problem for the hyperlipidemia group who want to buy insurance.
Can I buy insurance if I have hyperlipidemia? Can various physical ailments affect insurance?
Next, let's look at the insurance knowledge of various diseases. Don't miss the little friends who want to know:
Super Raiders: Can all kinds of diseases be insured? How to insure? 》
First, what is hyperlipidemia? What should I do to prevent diseases?
Hyperlipidemia generally includes hypertriglyceridemia and hypercholesterolemia, both of which are within the normal range:
The normal range of hypertriglyceridemia is 0.3 ~ 1.7mol/L. If it exceeds1.7mol/L, it can be diagnosed as hypertriglyceridemia. Hypercholesterolemia can be diagnosed when cholesterol exceeds 4.5 mol/L.
Hyperlipidemia is a general term for hypertriglyceridemia and hypercholesterolemia.
Many customers with patients feel that there is no chance to insure. In fact, as long as they fully understand the underwriting knowledge, they can also be successfully included in the coverage of diseases according to their own needs.
Suffering from hyperlipidemia will have a certain impact on insurance, but it can still be insured. There are five points to note, and we must remember how to successfully insure against hyperlipidemia:
"Remember these five steps, so that you can be insured in spite of illness! 》
In addition, for people with hypertension, because of the differences in various insurances of various insurance companies, the contents of health information are also different, so the severity is also different.
If you want to insure successfully, you may wish to choose some products with relatively loose health information. Senior, I have compiled some loose information about health notification critical illness insurance on the market at present. You can check it:
"Top Ten Health Bulletin, loose critical illness insurance inventory! 》
Second, the health information should be relaxed, and the critical illness insurance is recommended-Versailles plus!
A health notice is like a questionnaire. Unless it doesn't involve the contents mentioned in it, normal insurance is no problem, or it is certain to enter the intelligent underwriting stage.
Insurance companies will determine whether they can buy from different diseases and different situations.
When it comes to loose health information, you have to mention Versailles plus. Why? Because the health notification of Versailles plus is compared with other products, as shown in the figure:
It can be clearly seen from the comparison diagram. Whether the insured is a female friend, a child, or an obese or thin group, the health arrangement of Versailles plus is very good!
Versailles plus does not have too many restrictions on women's health information, nor does it ask them whether there are complications or some diseases unique to women during pregnancy.
For children's problems, most critical illness insurance is not allowed to cover, including "birth weight below 2.5 kg, gestational age less than 37 weeks".
However, Versailles plus will narrow this range, so that children who are "more than 2.0 kilograms at birth and more than 35 weeks pregnant" will be guaranteed. It would be nice to have this kind of guarantee ~
Not only is the health notification not so strict, but the smart underwriting of Versailles plus is also quite powerful! Patients with anxiety, depression, hypertension, pulmonary nodules, big three yang, small three yang, atrophic gastritis and ankylosing spondylitis all have the opportunity to be insured!
Let's call it a day. I hope I can help you!
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