Many people will consider configuring a health insurance after being diagnosed with a disease.
It's a good idea, but it's obviously a little late.
Generally speaking, health insurance has strict requirements for the health of the insured.
If the insured has a disease before, it is not easy to successfully insure.
So why are you thinking about configuring insurance when you are sick?
Dad thinks it's probably because everyone's insurance awareness is not strong enough.
As an insurance science worker, I often come into contact with the problem of insuring against diseases.
Today, my father will talk about this and give you a good talk about the knowledge of insurance against diseases.
Explain in detail the obstacle of insurance-past illness.
1. What was the disease in the past?
In fact, it is easy to literally understand the meaning of past diseases, that is, diseases that have happened before.
Of course, this understanding is obviously not rigorous enough and there are omissions.
Let's look at the official definition:
Past illness refers to the illness or abnormal health condition of the insured before insurance.
The insurer may terminate the contract if the insured has truthfully informed the insurer of the past illness when applying for insurance, which is enough to change or reduce the insurer's estimation of the danger.
Speak human words.
That is, if the insured fails to tell the truth about his health status at the time of insurance, the insurance company has the right to refuse insurance or not to pay compensation.
It is conceivable that insurance companies attach great importance to whether the insured has past diseases when underwriting.
Why?
I don't blame insurance companies for demanding, because insurance companies need to assess underwriting risks in advance.
Whether the insured has a past illness has a direct decisive role in underwriting risks.
Therefore, the insurance company will require the insured to truthfully inform the health status when applying for insurance.
Since the disease of the past is the disease of the past, is it a disease of the past if you have caught a cold before?
Of course not. What is past diseases has a more detailed definition.
(1) The doctor has confirmed the diagnosis and needs long-term treatment.
Generally speaking, some chronic diseases that need long-term treatment belong to the category of previous diseases, such as hypertension and chronic stomach diseases.
(2) The doctor has clearly diagnosed that the symptoms have not completely disappeared after treatment and need intermittent treatment.
The treatment of major diseases is a protracted war, which is difficult to completely cure and will leave sequelae.
(3) General medical knowledge does not need a doctor's diagnosis and treatment, but the symptoms are obvious and ordinary people can know it.
For example, the insured has a long-term headache with obvious symptoms, which can also be counted as the category of past diseases.
To put it bluntly, those diseases that have not been cured, have repeated attacks, and have not gone to the hospital, but the symptoms are obvious to ordinary people, are all diseases of the past.
2. Can I buy insurance for my past illness?
Generally speaking, it is difficult for people with past medical history to configure health insurance.
Because the health requirements of health insurance are notoriously high, people with past medical history have a high probability of being refused insurance.
Of course, not all insurance products are unfriendly to people with past medical history.
Life insurance, accident insurance, financial insurance and other insurances have little or no restrictions on the health of the insured.
Even people with previous illnesses can be insured.
So is health insurance really out of reach for people with a past medical history?
Not exactly. There are also some health insurance with relatively low health requirements on the market, and the loosers also support people with past diseases to take out insurance.
Recently, a new critical illness insurance, Sino-Dutch Beyond 1 Critical illness insurance, is known as the easiest critical illness insurance.
Support three high, diabetes and hepatitis B patients to participate in insurance.
It is a great benefit for people with past diseases.
For details about the protection and insurance of this product, you can pay attention to the official account of Babao WeChat on WeChat ~
In addition, if the health requirements of the insured are really insufficient to insure commercial health insurance,
Then you can choose local Huimin insurance.
Huimin insurance is generally not limited to the health status of the insured and does not require health notification. The insurance conditions are very loose.
Huimin insurance premium is also relatively cheap, which is a good second choice.
Step 3: Dad's summary
Through the introduction of past diseases, dad hopes that everyone can understand these two truths:
(1) You must tell the truth when you are healthy, otherwise you will regret being refused insurance;
(2) there is also the opportunity to insure against past diseases. There is always a product for you. Don't be discouraged when taking out insurance.
There are so many details about a small past illness insurance, not to mention other insurance issues.
Therefore, insurance is not as simple, prudent and prudent as expected.