Many patients with hepatitis B are worried about getting worse, so they try to transfer the risk of serious illness by purchasing insurance. Can hepatitis B patients be insured smoothly? What kind of insurance is best for them?
Before entering the text, the insurance strategies for various diseases are presented here for everyone. This policy must be collected:
Super Raiders: Can all kinds of diseases be insured? How to insure? 》
1. Can hepatitis B patients buy insurance?
1 and the basic investigation of hepatitis B
Hepatitis B is a general term, which usually refers to chronic hepatitis B. From the five items of hepatitis B summarized by the hospital, we can know that hepatitis B is basically divided into three situations: hepatitis B virus carriers, small sanyang and big sanyang.
Severity is the basis for dividing these three situations. Simple hepatitis B virus carriers are less than small sanyang and less than big sanyang. If the big three yang continues to be serious, it is likely to evolve into liver cancer. However, if hepatitis B virus carriers and Xiao Sanyang control the disease, they will not make it out of control and may be cured. Therefore, these three completely different States will lead to different underwriting risk assessments of the insured by insurance companies.
2. Can hepatitis B patients buy insurance?
Of course, insurance is suitable for hepatitis B patients! The difficulty coefficient of hepatitis B virus carriers is generally small, and insurance companies can also underwrite other indicators in a healthy state. When they have the opportunity to underwrite, they can do it in a standard way.
If it is a small sanyang patient, and his liver function test is normal, the insurance company will not only increase the destruction cost, but also exclude the liability underwriting; Big three yang will carry the virus, which is very contagious. The risk of compensation is greater than that of small sanyang and hepatitis B virus carriers, and insurance companies may exclude underwriting or directly refuse insurance.
How can we improve the success rate of insurance? You should firmly grasp the insurance and disease prevention tips analyzed by these senior sisters:
"Remember these five steps, so that you can be insured in spite of illness! 》
Second, what are the insurances suitable for patients with hepatitis B?
The accident insurance and life insurance of hepatitis B patients have a low impact on the follow-up, and the insurance method is basically underwritten according to the standard. Although the health notification of medical insurance and critical illness insurance is more complicated, it can still be insured. If you are looking for medical insurance and critical illness insurance suitable for patients with hepatitis B, let's take a look at your senior sister's recommendation.
1, suitable for critical illness insurance of hepatitis B patients.
(1) Versailles plus
Versailles plus can refer to intelligent underwriting, which takes care of women, newborns and some people with diseases. If the pathological degree of patients with hepatitis B meets the specified requirements, they still have the opportunity to insure Versailles plus through standard body, extended underwriting or increased underwriting.
The picture above shows the Versailles plus intelligent underwriting of hepatitis B. Hepatitis B virus carriers and small sanyang patients can purchase it normally without being affected. However, for patients with big three-yang disease, it is necessary to increase the cost of nuclear insurance. Versailles plus has a very rich coverage and a very high proportion of compensation. Insuring this product will give you a strong guarantee, and the cancer will be paid three times, which is really excellent.
2. Medical insurance suitable for hepatitis B patients.
(1) ping an e life long-term medical insurance
Ping An E Life's long-term medical insurance supports that except for hepatitis B virus carriers and small sanyang patients, it does not accept insurance for large sanyang patients. The biggest highlight of this product is that it does not limit reimbursement within the scope of social security and guarantees 6-year renewal.
No matter whether the insured's physical condition deteriorates or not, even if the product has stopped selling, it can still be renewed, which has a very stable guarantee.
(2) Beyond Insurance 2020
Chaoyuebao 2020 is a product with a renewal period of 6 years, so it is not allowed for patients with big sanyang to take out insurance, except for hepatitis B carriers and patients with small sanyang who want to take out insurance. Senior sister recommended this product not only because of its excellent guarantee, but also because its contracted company is strong enough. The strength of Fuxing Group is outstanding in the health care industry, and it can provide customers with better medical services.
Chaoyuebao 2020 has just been listed, and many consumers like it. Interested friends suggest browsing this article first:
Beyond the comprehensive upgrade in 2020, this guarantee is really fragrant! 》
In short, many insurance products are supported by hepatitis B patients, so we must compare them before insurance. Finally, I hope everyone can pick their own products ~
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