Hello! Hepatitis B can be covered by commercial health insurance, critical illness insurance and hospitalization expense insurance. But whether each company underwrites or not, the underwriting conditions may be different. When you apply for insurance, you should tell the insurance company truthfully, and take part in the medical examination of the insurance company, which will be verified by the company. I have done many cases similar to customers, and the underwriting result of general insurance companies is below 1. For medical insurance such as major diseases and hospitalization expenses, the charging standard will be raised. Young people plus 10%, and those around 40 plus 30% have also encountered it. The death/serious illness of universal insurance increased the guarantee cost of 100%. According to my own experience, Ping An Insurance generally increases the underwriting cost, that is, every increase of 1 10,000 yuan will increase the corresponding insurance premium, and the related liabilities caused by hepatitis B will also be settled. However, some joint venture insurance companies will generally cover it as an exclusive liability, that is, related diseases and medical expenses caused by hepatitis B and Xiaosanyang will not be reimbursed. View original post >>
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.