If it's insurance that doesn't require health notification, such as accident insurance, it doesn't matter even if you have lupus erythematosus.
If you are insured with critical illness insurance, medical insurance and other types of insurance that require health notification, the health notification will not pass and you will not be able to buy it.
Lupus erythematosus is an autoimmune disease, which can involve multiple systems. Most patients can control their illness after standardized and effective treatment, but they are strictly restricted when they are insured. The insured needs to tell the truth when giving health information, and don't hide the insurance.
Many people think that you can't buy insurance if you have or are currently suffering from certain diseases;
Even if it is successfully insured, it will refuse to pay compensation when it is out of danger;
But in fact, the contents of different types of insurance are different.
Even if the insured suffers from a certain disease, as long as the disease has little to do with the final escape conditions, many insurance products actually do not resist taking out insurance despite illness. (It depends on the disease type and product underwriting)
First of all, there are four main kinds of sickness insurance.
1, accident insurance
Accident insurance is the easiest insurance.
Most products do not need to inform the health status of the disease, but the occupational restrictions are relatively strict.
Because accident insurance covers accidental death or disability, most products also have accidental medical liability.
This accident refers to an "external, sudden, non-disease and non-disease" event.
Death and disability caused by illness are not compensated, such as sudden death.
In recent years, more and more accident insurance products on the market have introduced sudden death protection.
Sudden death is often caused by physical function, so products with such protection need to be informed of health.
Relatively speaking, it is still relatively loose. Except for serious diseases such as cancer, coronary heart disease, myocardial infarction or congenital diseases, others can be insured normally.
2. Life insurance
Life insurance is based on people's life and health, and some high-risk diseases with high mortality cannot be insured.
In addition to the diseases mentioned in the above accident insurance, there are respiratory failure, mental retardation, multiple sclerosis and so on. , cannot be insured in whole life insurance.
The health notification of life insurance is relatively easy compared with critical illness insurance and medical insurance.
3. critical illness insurance
Critical illness insurance requires higher health information. After all, it is a kind of compensation insurance.
If risks are not strictly controlled, insurance companies will easily lose money.
Such as cardiovascular diseases, brain diseases, etc., are often directly refused insurance.
However, many chronic diseases can be insured normally if they can pass intelligent underwriting, although health notification will ask.
4. Medical insurance
This is the strictest insurance for health information.
Medical insurance is relatively cheap and has high security.
Generally, the insured is required to be a healthy person or close to a healthy person to underwrite.
If you are insured against illness, you are likely to be excluded unless you have a minor illness.
In addition to these four types of insurance, cancer insurance is also a kind of insurance with loose health information.
As long as the probability of the disease developing into cancer is small, people like San Gao can be insured.
Second, how to inform health
Tell the truth, don't say it all, ask and say it, don't ask and don't say it.
According to Article 16 of the Insurance Law:
When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.
This means that if you don't ask, you don't have to tell.
Health notification in Chinese mainland follows the principle of limited notification. The applicant has no obligation to tell the insurance company what to ask, and the insurance company does not ask anything.
The content of the notice is limited to our understanding of our physical condition.
The specific answer can be based on previous disease diagnosis records or physical examination results.