For thyroid nodules, hospitals consider treating patients and saving lives, while insurance companies consider risk probability to prevent claims arising from short-term complications.
This makes it difficult for people with thyroid nodules to tell through health insurance companies.
Thyroid health notification is mainly divided into two situations:
1, has been treated by surgery, biopsy, etc. , was diagnosed as benign. There are many products to choose from, most of which can be insured normally, such as Fosun Prudential Xinxin Xingyue Critical Illness Insurance, ruitai Super Mary Critical Illness Insurance, Ping An E Life Insurance and Dabai Intelligent Life Insurance.
2. If there is no puncture biopsy or surgical resection, it is generally required to provide thyroid B-ultrasound examination within one year or half a year, and at the same time meet certain conditions, you can take out normal insurance or excluded liability insurance.
The conditions to be met are as follows:
1)TI-RADS classification 0-2;
2) No cervical lymphadenopathy;
3) Confirmed as a functional nodule (hot nodule);
4) The maximum diameter of the nodule is less than 65438 0.5cm, and the boundary is smooth or clear;
Different products have different specific requirements.
Although there are some obstacles to buying insurance for thyroid nodules, different companies have different business strategies. Some insurance products cover thyroid nodules loosely. Through online intelligent underwriting, you can easily buy the right products.
The following is an online insurance product with high cost performance, which covers thyroid nodules:
First, how to buy insurance for different thyroid nodules?
How to buy insurance for different thyroid nodules? Here are two examples:
Option 1:
Huahua (female) is 30 years old. Two years ago, she was diagnosed with thyroid nodules, which have been surgically removed and diagnosed as benign.
The total annual premium of this scheme is 68 15 yuan, and the guarantees that can be obtained include:
1) The maximum reimbursement for hospitalization is 2 million yuan. Suffering from one of the major diseases of 100, the one-time compensation is 500,000 yuan.
For example, unfortunately, I got breast cancer, and the medical expenses 1000 yuan, most of which were reimbursed by social security and Ping An E Life Insurance. In addition, Xingyue critical illness insurance will pay 500,000 yuan for follow-up rehabilitation treatment.
2) Before the age of 50, the family received 6,543.8+0,000 compensation for unfortunate death/total disability and 6,543.8+0,000 additional compensation for accidental death.
Option 2:
Xiao Fang (female) is thirty years old. Two years ago, she was diagnosed with TI-RADS2 secondary thyroid nodules and had no other symptoms. Doctors recommend regular check-ups, which is not suitable for follow-up.
The difference between scheme 2 and scheme 1 lies in medical insurance.
The medical insurance in the first scheme is Ping An E life insurance. When thyroid nodules are diagnosed as benign, coverage is usually guaranteed, which supports the treatment guarantee of previous treatment. This clause is more friendly in medical insurance. Compared with other products, such as Alipay, medical insurance does not compensate for diseases existing in the past 2 years, regardless of the underwriting results.
The medical insurance in the second scheme is Allianz Cherish Medical Insurance. In the case of benign thyroid nodules, the coverage is relatively loose, except for thyroid diseases and their complications and sequelae.
Second, it should be noted that more than 95% of thyroid nodules are benign and there is no danger of becoming cancer. Even an unfortunate 5% is a great misfortune. Thyroid cancer is called "love cancer" by the common people, and the cure rate is over 90%.
If you already have thyroid nodules, you can consider taking out critical illness insurance before the introduction of new regulations on critical illness. Unfortunately, if you have thyroid nodules, you can get compensation from the critical illness insurance.
If you have more questions, you can ask Dad. You can also check more information in Bababao official website ~