The following is how to insure the four major types of disease insurance:
1, accident insurance
Accident insurance is relatively loose in terms of insurance coverage, and most products do not need to inform the health status of the disease, but the occupational restrictions are relatively strict.
Because accident insurance covers death or disability caused by accidents, most products also have accidental medical liability. This accident refers to an "external, sudden, non-disease and non-disease" event.
However, the death and disability caused by illness will not be compensated, and sudden death is often caused by physical function, so products with this protection need to inform the health situation, so in recent years, more and more accident insurance products on the market have introduced sudden death protection.
2. Life insurance
Life insurance is based on people's life and health, and 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.
However, the health notification of life insurance is relatively easy compared with critical illness insurance and medical insurance, and some products such as hepatitis B, big sanyang and thyroid nodules will not be asked.
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 most stringent insurance for health notification, with low medical insurance premium and 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 not high, people like "Sangao" can be insured.
How to give health advice when insuring against illness;
According to Article 16 of the Insurance Law, when concluding an insurance contract, if the insurer asks about the subject matter of insurance or the insured, the applicant shall truthfully inform him.
This means that if you don't ask, you don't have to tell. Health information in mainland China follows the principle of limited information. 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.
Summary:
If you have some diseases, you should buy insurance in time, which can increase the protection 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. If you don't want to be limited to this, you can refer to the latest product evaluation and do more comparative analysis, and you will have different choices.