In essence, thyroid nodules also have pathological degree. Whether you can successfully insure depends on the degree of pathology, or in which way you should buy critical illness insurance products.
With regard to the insurance of thyroid nodules, today, Senior Sister Xue will talk to you about the critical illness insurance of patients with thyroid nodules.
Before we go further, there is a guide to avoid the pit of critical illness insurance for everyone. If a friend has plans to configure critical illness insurance, don't miss it:
"Which is better for critical illness insurance? How to buy it is cost-effective, and teach you to avoid the pit by hand."
1. How to define the pathological degree of thyroid nodules?
Thyroid nodule is a thyroid lump that can move up and down with swallowing, and it is one of the more common diseases, especially in women, obese patients and people with three highs.
One of the most effective methods to check thyroid nodules is ultrasound. By the image characteristics, blood flow signals and elastic coefficient of thyroid nodules, whether thyroid nodules are benign or malignant can be judged.
The factors affecting the insurance of patients with thyroid nodules are ultrasonic examination results, TI-RADS classification, surgical treatment and so on. Because of these factors, the audit results will also change, as shown in the following figure:
As shown in the figure, different nuclear insurance influencing factors affect the results of nuclear insurance treatment for patients with thyroid nodules.
Among them, the higher the level of TI-RADS, the higher the probability of suffering from malignant thyroid nodules, and the insurance company will also judge whether the patient's TI-RADS level can pass the underwriting:
Under normal circumstances, thyroid nodules 1~3 can also buy critical illness insurance, but it is not so easy to buy critical illness insurance according to different situations, including normal underwriting or excluded underwriting.
Simply put, patients with thyroid nodules still have the opportunity to successfully insure critical illness insurance. Next, the senior sister will come to the science to learn how to improve the success rate of critical illness insurance for patients with thyroid nodules.
Second, what are the tips for patients with thyroid nodules to insure critical illness insurance?
First of all, patients with thyroid nodules must be informed of their health before configuring critical illness insurance.
Health notification is a simple risk assessment for the insured, replacing physical examination and becoming a small questionnaire for our health.
Insurance in China is mostly based on the principle of "limited notification", that is, we will answer whatever the insurance company asks, and we don't have to inform if we don't ask.
In this case, from what aspects should patients with thyroid nodules improve the success rate of critical illness insurance? You must learn the following three skills:
1, to be honest
Seeing the health notification regulations of insurance companies, patients with thyroid nodules should tell the truth.
Telling the truth can effectively improve the success rate of patients' insurance, reduce the possibility of claims disputes when they are out of danger, and will not deprive the insured of the right to compensation because of hiding his past medical history.
When giving health advice to patients, you need to remember some tips:
What are the tips for health notification when applying for insurance? 》
2. Choose smart underwriting for critical illness insurance.
Intelligent underwriting uses advanced technologies such as big data and artificial intelligence to make it possible for non-standard consumers to insure.
In fact, there is little difference between intelligent underwriting and computers. After entering the medical history information, it will show whether to accept insurance or how to underwrite it.
According to the above, it can be understood that in fact, many patients with thyroid nodules buy critical illness insurance, which is configured under irregular conditions.
When purchasing critical illness insurance, friends with thyroid nodules can be screened and intelligent underwriting can be adopted, which greatly increases the probability that the product will be underwritten or postponed.
3. Choose the critical illness insurance with loose health information.
Critical illness insurance is still very strict about health notification. If you have a relevant medical history, it is very difficult to successfully insure.
For example, patients with thyroid nodules, critical illness insurance is actually not intimate to this group.
{So can patients with thyroid nodules be insured for critical illness insurance? -60} It is best to give priority to products with loose health notification. First, health notification is easy to pass, and second, the insurance success rate will be higher.
Senior sister chose several critical illness insurances with relatively less strict health advice for patients with thyroid nodules. Don't miss:
"The latest! The top ten health warnings are loose, and the critical illness insurance is large! 》
Conclusion: Patients with thyroid nodules also have the opportunity to buy critical illness insurance, hoping to improve the success rate of insurance. The most important thing is to tell the truth first, and then consider the inductive skills of senior sisters when taking out insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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