Merchants Trust Insurance Company's Mellow Life high-end medical insurance product has been favored by many consumers in the insurance market since its launch. The product is one of the best in terms of coverage, multiple collocation, medical resources and special services, but it has certain requirements for the occupation of the insured. Which is the best insurance company, I just happened to organize the relevant content, I hope it is helpful to you: the latest list! Top 10 Insurance Companies in the Country
What are the Occupational Requirements for the Insured in the Mellow Life High-End Medical Insurance Policy
The product stipulates that the occupation of the insured can't be in any of the Occupational Refusal Classification List. So what are the specifics? Find out below!
The first category: agriculture, animal husbandry and fishery
The occupations involved are: poisonous animal breeders (snakes, scorpions, centipedes, etc.), fishers (inland and coastal), farm workers (coastal), crew of ocean-going fishing vessels, and crew of offshore fishing vessels.
Type 2: Timber Forestry
The occupations involved are: loggers, sawyers, loaders, hookers, and timber handlers.
Third: Mining and Extractive Industries
The occupations involved are: miners, diggers, blasters, marine operators, divers, quarry workers, sand miners, onshore oil and mineral extraction technicians, oil and gas well cleaners and repairers, drilling and survey equipment installers and replacements, drilling and repairers, and down-hole workers.
Type 4: Transportation
1. Land transportation: concrete ready-mix truck drivers, porters, loaders and unloaders, ore truck drivers and accompanying workers, railroad freight, railroad porters.
2, maritime transportation: rescue crew, passenger and cargo ships (ocean-going) all accompanying personnel.
3, air transportation: civil aircraft flight crew, helicopter flight crew.
Category 5: Construction
1. Construction companies: steel skeleton workers, scaffolding erection workers, ironworkers, welders, building construction machinery operators, house demolition, house relocation workers, rock drillers, decorators (outdoor) (basic to rough).
2. Railway and highway laying: site surveyors (mountainous areas), laying workers (mountainous areas), maintenance workers, power line erection and maintenance workers, highway engineers (including beautification workers), and railroad boat bridge workers.
3, shipbuilding and repairing industry: shipbreaking workers
4, decoration: outdoor decoration personnel, metal door and window manufacturing workers, metal door and window decoration workers installing glass curtain wall workers, steel structure installers, central air-conditioning system installers and maintenance personnel, elevator and lift installers (high altitude), and wooden furniture manufacturing workers.
5. Surveying and mapping engineering: marine surveying and mapping engineers and technicians (marine operations), geological surveyor (mountainous areas), geological surveyor (sea), Gulf port engineers, dam engineers, well-digging engineers, bridge engineers, tunneling engineers, diving staff, blasting staff, dredger workers.
Sixth Category: Manufacturing, Processing and Repairing Industry
1. Metallurgy: Blast Furnace Raw Material Workers, Blast Furnace Pre-Furnace Workers, Blast Furnace Operation Workers, Steelmaking Raw Material Workers, Steelmaking Workers, Steelmaking Pouring Workers, Steelmaking Preparation Workers, Ferroalloy Electro-Furnace Smelting Workers, Pyro Smelting Workers, Fuming Acid Workers, Acid Cleaning Workers, Metal Material Heat Treating Workers, Welding Pipe Workers, Metal Extrusion Workers, Casting and Rolling Workers, Pipe Casting Workers and Cemented Carbide Molding Workers.
2, machinery manufacturing and maintenance industry: lathe operator, turner, foundry, forging, stamping, shearer, metal heat treatment, powder metallurgy processing, electric cutting, boiler equipment assemblers, core stacking, railroad vehicle manufacturing and decoration, pulp equipment operators, pulp waste recycling workers, welders, stamping, shearer, glass processing workers.
3, the electrical industry: high-voltage electricity related staff.
4, cement industry (including cement, gypsum, lime, pottery): cement production and manufacturing workers, mining workers, blasting workers, lime roasters, aerated concrete products, decorative stone production workers, asbestos products, diamond products.
5, chemical industry: anti-corrosion workers, oil gas workers, coking workers, coke oven locomotive driver, coal gas workers, gas storage and transportation workers, ammonium sulfate production workers, ammonium superphosphate production workers, sulfuric acid production workers, nitric acid production workers, hydrochloric acid production workers, phosphoric acid production workers, soda ash producers, caustic soda producer, fluoride salt production workers, condensation of phosphate producers, gas deep-cooling separation workers, oxygen workers, industrial gases and liquids chemical industry, sulfur dioxide manufacturing workers, aliphatic hydrocarbon production workers, rubber production workers, chemical fiber polymerization workers, other toxic substances production workers, gunpowder and explosives industry manufacturers, bullet manufacturers, pyrotechnic products manufacturers, fireworks industry personnel.
Category 7: Publishing and Advertising
The occupations involved are: war correspondents, signboard erectors, and neon tube installers and repairers.
Category VIII: Entertainment
The occupations involved are: martial arts actors, stuntmen, radio and television antennae workers, zoo trainers, high-altitude acrobats, flying cars, and flying men actors.
Category 9: Cultural and educational institutions
The occupations involved are: flight training instructors and cadets, students of special sports classes (boxing, wrestling, taekwondo, etc.), and students of martial arts schools.
The tenth category: public **** business
The occupations involved are: radio antenna maintenance personnel, fiber optic cable laying personnel, high-voltage line charged maintenance workers, transformer overhaul workers, substation equipment overhaul workers, traction power line installation and maintenance workers, electric utility erection personnel, electric high-voltage power engineering facilities personnel.
The eleventh category: service industry
The occupations involved are: high-rise exterior cleaners, chimney cleaners.
The twelfth category: public prosecutors, law enforcement and other law enforcement and inspection agencies
The occupations involved are: police special duty, riot police, armed police, anti-narcotics, chemical, and nuclear rescue workers, general accident rescue workers, and fire department members.
The thirteenth category: military personnel
The occupations involved are: special forces (naval station troops, paratroopers, sailors, demolition soldiers, frogmen, chemical soldiers, engineers with mine blasting duties, and intelligence units with special duties), air force pilots and soldiers, air force officers and soldiers on ocean-going cruisers and submarines, front-line military personnel, and military academy students and new recruits in training.
Category 14: Professional Sports
The occupations covered are: skiers, football players, wrestlers, professional boxers, amateur boxers, and equestrians.
In addition to these occupations being uninsurable, doctors, including allied health professionals, are also not eligible for this product.
The reason for this rule is to protect the interests of both the insurance company and the policyholder, in case they are denied compensation because of their occupation, it would not be worthwhile. So it is important to have a good control before taking out the policy, which also ensures absolute fairness.