In China, pre-existing insurance is not a universal coverage for all types of insurance. However, in recent years, with the continuous development and innovation of the health insurance market, some insurance companies have begun to launch critical illness insurance products that include pre-condition protection. I'll elaborate on these types of insurance below.
At present, some advanced critical illness insurance products in the market have begun to provide pre-existing condition protection. The so-called "pre-condition" refers to the abbreviation of high-risk disease before major disease, which has the characteristics of mild disease, reversible, better prevention and prognosis. These precursors do not meet the definition of mild disease, but they are closely related to the occurrence of major illness and are likely to develop into major illness if not carried out in a timely manner**.
Critical illness insurance products that include pre-condition coverage usually cover some common pre-condition, such as pulmonary nodules (surgery), atrophic gastritis with intestinal metaplasia (surgery), hepatocellular dysplastic nodules (surgery), etc. When the insured is diagnosed with these pre-existing conditions, the insurance company will pay a certain amount of insurance money in accordance with the contract to help the insured with ** and **.
1.Pay in advance: Critical illness insurance products that include pre-existing condition protection usually pay insurance benefits in advance when the insured is diagnosed with pre-existing conditions, helping the insured to proceed in a timely manner** and reduce the risk of deterioration of the condition.
2.Comprehensive coverageThese types of insurance not only cover critical illnesses, but also extend coverage to pre-existing conditions, providing more comprehensive health protection for the insured.
3.Encourage early**By providing pre-existing condition coverage, these types of insurance encourage the insured to actively pursue the disease when the illness is mild, thereby reducing costs and increasing rates.
1.Different insurance companies and products may have different definitions and coverage for pre-existing conditions, and you need to carefully compare and choose when purchasing.
2.Pre-existing condition benefits are usually available as an add-on to critical illness insurance and require an additional premium.
3.When purchasing a critical illness insurance product that includes pre-existing condition protection, you need to read the terms of the contract carefully to understand the coverage, payment conditions, exclusions, etc.
To sum up, critical illness insurance products that include pre-condition protection are the main types of insurance that provide pre-condition protection in China. These types of insurance provide more comprehensive health protection for the insured by paying insurance benefits in advance and encouraging early **. When purchasing, you need to pay attention to comparing the coverage and terms of different products and companies.