Universal universal universal insurance is a supplementary medical insurance that benefits the people. Unlimited occupation, no physical examination, and loose health information. Even if you are sick, you can be insured, and it is not limited to past diseases. Although the insurance has restrictions on seven diseases such as malignant tumor, carcinoma in situ, uremia, severe aplastic anemia, heart valve disease, brain tumor and liver cirrhosis, all medical expenses caused by these diseases are not reimbursed. However, even if you have these seven diseases, you can still be insured, and insurance companies can still pay for other diseases.