However, those who have suffered or are suffering from mental illness but still want protection should not be depressed. It's not completely hopeless. There are also some products that can be insured. Specific needs are divided into products:
1, millions of medical insurance
Millions of medical insurance health notifications are almost all about mental illness, but there is a friendly one-Ping An E Life Insurance (guaranteed renewal version);
The intelligent underwriting of Ping An E Life Insurance covers several mental diseases such as depression, anxiety, neurasthenia and obsessive-compulsive disorder.
2. critical illness insurance
For critical illness insurance, most of them refuse to be insured, but the 1 year critical illness insurance and lifelong critical illness insurance of micro-medical insurance do not ask about mental illness in health notification.
Micro-medical insurance is underwritten by Taikang Life Insurance, which covers 65,438+000 kinds of serious illness and death, the amount of compensation for serious illness and the premium returned after death, and there is no guarantee for mild/moderate illness.
In addition, as an alternative to critical illness insurance, you can also consider cancer insurance, which usually does not involve mental illness inquiries.
3. Term life insurance
Unfortunately, there is almost no health advice about mental illness in term life insurance products, so there is no particularly good product recommendation.
However, it is easy to understand that term life insurance has the greatest impact on mental illness. After all, the suicide rate of patients with depression is dozens of times higher than that of the general population, and it is not easy to buy life insurance.
4. Accident insurance
Because most accident insurance products have no health inquiry, the impact of buying accident insurance for mental illness is not great, mainly depending on whether the coverage meets the demand.
Fourth, pay attention to distinguish the definition of health notification.
Although mental illness will be asked in health notification, there are still subtle differences in specific inquiries, which can be roughly summarized into the following three different types:
The first one is: just ask the word "mental illness":
Secondly, there is the word "mental illness" and there are specific disease regulations:
Third, only ask a few specific diseases, without the word "mental illness";
Don't underestimate these three subtle differences. Fundamentally speaking, different ways of asking questions will eventually produce different binding forces.
The first survey covered the widest range. In theory, more than 400 kinds of mental diseases are within the scope of their inquiry, and none of them meet the health notification.
The second kind of inquiry is essentially the same as the third kind. As long as it asks about no specific mental illness, it is in line with the notification, even if there are other mental illnesses.