First, which diseases can't be insured?
If you carefully read the insurance contract, such as millions of medical insurance, you will usually see such a clause in the "exemption clause" of the product: "No compensation for past diseases". As the name implies, past diseases are "diseases that happened in the past". For example, users who have suffered from serious diseases, such as hypertension, heart disease, diabetes, coronary heart disease, overweight, etc., cannot buy critical illness insurance, because such diseases may cause serious diseases, and even patients with serious diseases may relapse. In order to control risks, insurance companies will refuse to insure users against these diseases. Of course, accident insurance generally does not require high health status, and users who can basically take care of themselves can take out insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, does buying insurance have a big impact on past diseases?
1, what was the disease in the past?
Past diseases refer to the diseases that already existed in the insured before insurance. There are usually the following situations: before the insurance liability takes effect, the doctor has made a clear diagnosis, the long-term treatment has not been interrupted, the symptoms have not completely disappeared or the treatment has been interrupted after treatment, the symptoms have not been treated and not treated by the doctor, but the symptoms are obvious and persistent, which is what ordinary people should know in medical knowledge. To put it bluntly, the common chronic diseases in the past are difficult to heal and need long-term treatment, such as hypertension, chronic hepatitis, chronic gastritis and asthma. Malignant tumor, myocardial infarction, cerebral hemorrhage and other diseases that are difficult to cure, must be treated continuously and are easy to leave sequelae are also diseases of the past. For some acute diseases that can be completely cured in a short period of time, there is generally no need to worry about the past problems or the common cold and fever. For the problem of buying insurance for hypertension, I just sorted out the relevant content, hoping to help you: the latest raiders! Insurance strategy for people with hypertension!
2. What is the impact of past diseases on insurance claims?
In the process of insurance, if there is any past illness that may affect the underwriting decision of the insurance company, it will generally be listed in the health notice. In this case, don't take any chances, but tell your health status truthfully. Although the past illness may not be informed by health, there may be normal underwriting, excluded underwriting, deferred underwriting, increased underwriting, and refusal to insure. But it's better than the insurance company refusing to pay after the accident. If you do not meet the health notification, you can submit relevant physical examination reports, medical records and other materials for manual underwriting review, or choose smart underwriting products.
For claims, if the health notice is not inquired, it is usually regarded as conforming to the health notice and can be paid normally. However, we should also pay attention to whether the previous illness is guaranteed in the special agreement and liability exemption clause of the policy. Generally speaking, for those who have suffered from previous diseases before insurance and have been diagnosed or treated during the protection period, the insurance company will not bear the insurance responsibility for the disease. If they are in danger, the insurance company will refuse to pay compensation.
Only after you get sick can you realize the value of health. Although insurance can pass on economic risks, it cannot be insured in many cases after illness. If you want to know which diseases you can't buy insurance, you should analyze them in combination with the types of insurance you have insured. Generally speaking, accident insurance has low requirements for health, but critical illness insurance, medical insurance and life insurance have strict requirements for users' health. In many cases, once you suffer from the diseases mentioned in the health notice, the insurance company refuses to insure. I also hope that everyone can take advantage of their health and buy suitable insurance for themselves and their families as soon as possible.