Under normal operation, it is always difficult to insure against diseases. If you have some diseases, you can apply for commercial insurance, especially commercial health insurance (medical insurance and critical illness insurance), which is likely to be rejected by insurance companies. At this time, the demand for insurance configuration is often strong. We need to understand the logic and precautions of insurance allocation, so as to avoid the configuration that some insurances can't claim compensation due to wrong insurance.
National medical insurance belongs to national welfare, and there is no threshold for insurance and no previous illness restrictions; In recent years, Huimin insurance in various places has also been dominated by the government. It can also be insured for past diseases, but the proportion of compensation will be reduced, which is already very friendly for insuring diseases. After all, Huimin insurance in some areas can expand some social security expenditures.
Anti-cancer insurance or anti-cancer medical care itself is a reduced liability version of critical illness insurance and medical insurance. Health notification is naturally not as strict as critical illness insurance and medical insurance. Diseases not covered by the health notice also meet the insurance conditions and can be insured normally.
Medical insurance products for specific diseases, such as hypertension medical insurance or diabetes medical insurance, mean that eligible hypertensive patients or diabetic patients can also apply for medical insurance for such specific diseases to meet the security needs of specific people.
The easy core version of the critical illness insurance is to relax the requirements for insurance, meet the index requirements of insurance companies for some diseases, and can also be insured normally to ensure that the liability is not affected. This kind of products were originally developed for non-standard customers, so you can insure similar products in need without hesitation.
In addition, accident insurance (mostly), annuity insurance, term life insurance, whole life insurance, the entry threshold of these products is not high, and the health information is relatively loose. If there is demand for these insurance products, they can be insured as needed.
To sum up, when there are physical problems or some indicators deteriorate, it will be more difficult to insure commercial health insurance, but it is not completely impossible to insure commercial insurance. Some suggestions are given above for your reference. At the same time, to insure commercial health insurance, I would advise you to insure when you are young and in good health. After all, choosing an insurance company and actively choosing an insurance company are two completely different experiences.