1, accident insurance
Accident insurance is the easiest insurance. Most products do not need to inform the health status of the disease, but the occupational restrictions are relatively strict.
Because accident insurance covers accidental death or disability, most products also have accidental medical liability. This accident refers to an "external, sudden, non-disease and non-disease" event.
Death and disability caused by illness will not be paid. In recent years, more and more accident insurance products on the market have introduced sudden death protection.
Sudden death is often caused by physical function, so products with such protection need to be informed of health.
Source: Network
Relatively speaking, it is still relatively loose. Except for serious diseases such as cancer, coronary heart disease, myocardial infarction or congenital diseases, others can be insured normally.
2. Life insurance
Life insurance is based on people's life and health.
Some high-risk diseases with high mortality cannot be insured.
In addition to the diseases mentioned in the above accident insurance, there are respiratory failure, mental retardation, multiple sclerosis and so on. , cannot be insured in whole life insurance. The health notification of life insurance is relatively easy compared with critical illness insurance and medical insurance.
Hepatitis B, big three-yang, thyroid nodules, some products of these diseases will not be asked. People with these diseases can still buy life insurance.
3. critical illness insurance
Critical illness insurance requires higher health information. After all, it is a kind of compensation insurance. If risks are not strictly controlled, insurance companies will easily lose money.
Such as cardiovascular diseases, brain diseases, etc., are often directly refused insurance. However, many chronic diseases can be insured normally if they can pass intelligent underwriting, although health notification will ask.
For example, thyroid nodules, TI-RADS classification is 1-2, which can be insured normally;
Hepatitis B virus carriers or hepatitis B patients meet the conditions of normal liver function and can be insured normally;
Some products can cover more serious diseases such as hepatitis B, big three-yang disease and ankylosing spondylitis.
4. Medical insurance
This is the strictest insurance for health information. Medical insurance is relatively cheap and has high security. Generally, the insured is required to be a healthy person or to be close to a healthy person before underwriting.
If you are insured against illness, you are likely to be excluded unless you have a minor illness. In addition to these four types of insurance, cancer insurance is also a kind of insurance with loose health information. As long as the probability of the disease developing into cancer is small, people like San Gao can be insured.
How to inform you of your health status when you are insured against illness?
Tell the truth, don't say it all, ask and say it, don't ask and don't say it.
According to Article 16 of the Insurance Law:
When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.
This means that if you don't ask, you don't have to tell.
Health notification in Chinese mainland follows the principle of limited notification. The applicant has no obligation to tell the insurance company what to ask, and the insurance company does not ask anything.
The content of the notice is limited to the understanding of one's physical condition. The specific answer can be based on previous disease diagnosis records or physical examination results.
Dad thinks that if you have some diseases, you should buy insurance in time, which can increase your security and greatly reduce the burden on your family. Because after purchasing insurance, if an accident or illness occurs, the insurance company will make normal claims according to the terms.
Want to know more, you can go to Bababao official website to consult the latest product evaluation, and compare and analyze more, so you will have different choices.