First, the four major types of insurance disease protection strategy 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.
This accident refers to an "external, sudden, non-disease and non-disease" event. Death and disability caused by illness will not be paid, such as sudden death;
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. Hepatitis B, big three-yang, thyroid nodules, some products of these diseases will not be asked. People with these diseases can still buy life insurance.
3. critical illness insurance
Critical illness insurance requires higher health information. After all, it is a kind of compensation insurance. 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.
For example, thyroid nodules, TI-RADS classification is 1-2, which can be insured normally;
Hepatitis B virus carriers or hepatitis B patients meet the conditions of normal liver function and can be insured normally;
Some products can cover more serious diseases such as hepatitis B, big three-yang disease and ankylosing spondylitis.
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 to be close to a healthy person before underwriting.
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.
Because there are many products on the market at present, everyone's illness and needs will be different. My dad only analyzed several common types of insurance. My dad reminded me that you must tell the truth when you are insured against illness, otherwise it will easily lead to claims disputes.