No one can guarantee that he will get sick, so health insurance is something that everyone needs to keep. However, with the growth of age, the premium of health insurance will continue to increase; Moreover, when you reach a certain age, you must have a physical examination. If you are in poor health, you may be charged more and even refused insurance. However, as long as there is a guarantee to renew the insurance, there is no need to worry about being refused. Even if you get a serious illness and get a claim, you can still apply for renewal of insurance, and the insurance company must cover it.
Therefore, it is very important to guarantee renewal. Need to remind everyone that although some health insurance policies are clearly marked with the "guarantee renewal" clause, it does not mean that the insured can automatically enjoy the right to guarantee renewal. Because of the high risk, insurance companies make different provisions on the renewal conditions of health insurance. Some companies stipulate that the insured can only guarantee the renewal of insurance if he has not paid for illness for three or even five consecutive years.
In addition, there is an age limit for the guaranteed renewal of health insurance. For example, some insurance companies require that the maximum renewal age be limited to 64 years old, that is, the insured's right to obtain guaranteed renewal can be guaranteed to 64 years old.
What are the precautions when applying for health insurance?
In the process of purchasing specific health insurance, in addition to ensuring the renewal clause, there are the following points that need special attention: First, the waiting period clause. Health insurance generally has a waiting period of 30 days, 90 days, 180 days, etc. The insurance company will not pay for the accident during the waiting period. The second is the deductible. Medical insurance generally has a certain deductible. In other words, if the medical expenses incurred do not exceed the deductible, the insurance company will not compensate. If it exceeds the deductible, it will pay the part that exceeds the deductible. Therefore, we should choose health insurance products with low deductibles. The third is to protect the content. Especially for critical illness insurance, we should not blindly seek perfection, but should focus on which serious diseases can be covered. To sum up, in the specific configuration of health insurance products, we must pay special attention to the guarantee renewal clause and choose the appropriate insurance according to our actual situation.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.