Although the insurance industry is developing rapidly, there are still many people whose insurance thinking has not kept up with the development of the times.
There are many people who don't usually buy insurance, but after spending a lot of medical expenses when they get sick, they wonder if the insurance can still be reimbursed.
So, let's talk about what kind of insurance people who have had a critical illness can buy.
To discuss this issue, it is also necessary to look at what kind of critical illness is and the underwriting requirements of insurance products for this critical illness.
If you have suffered from a critical illness and then apply for insurance, it is already a pre-existing condition.
That is, the relevant illness or symptom that the insured person knew or should have known about before the insurance liability took effect.
If we have a pre-existing condition, then take out other insurance.
Once the insurance is out and the claim is made, we need to prove whether there is a causal relationship with the critical illness that we have suffered from before.
If there is, then there is a high probability that it will be regarded as a pre-existing condition, and it will be very troublesome to settle the claim.
And if there is no direct relationship, then the claim can be made normally.
In other words, even if you have a critical illness, you can still buy insurance.
As long as the insurance we buy has no conflict with the critical illness we have suffered before.
In this way, normal insurance and normal claims are not extravagant expectations.
The first is health insurance.
Because medical insurance is a welfare insurance, basically everyone can buy it.
Social security also has no restrictions on our physical health requirements, so even if you have a critical illness, you can buy one.
The second is accident insurance.
Because most accident insurance does not have health notice, it is also possible to buy it if you suffer from a critical illness.
However, it is more difficult to inform whether there is a cardiovascular or cerebrovascular disease, whether there is a malignant tumor, etc.
Then there's critical illness or medical insurance.
As difficult as it sounds, there are a lot of practical limitations.
For diseases such as carcinoma in situ and thyroid cancer, if there is no **5 years**, you can consider purchasing critical illness insurance or medical insurance.
Of course, it is generally necessary to go through the manual underwriting channel.
In other words, if you have a critical illness, you basically don't need to consider buying critical illness insurance and medical insurance.
There is no hope unless there are very few cases that meet.
As a subordinate alternative, cancer insurance and cancer medical insurance can also be insured.
As long as the critical illness is not cancer-related, you can try to apply for insurance.
In this way, after the insurance is successful, there is a protection against cancer.
Huimin Insurance can also consider buying a copy.
Huimin Insurance does not have high requirements for health notification, and you can also apply for insurance with pre-existing conditions.
Moreover, for some specific cancers, Huimin Insurance can also be covered.
Although the deductible is relatively high, it is also a normal situation.
Finally, it is necessary to consider financial products such as annuity insurance.
Although there is no protection against the risk of disease, it can at least generate some benefits.
That's a little comfort.
In conclusion, if you already have a critical illness, you may face great difficulties and limitations in purchasing insurance.
In this case, we need to understand the rules and requirements of different insurance types and policies in detail to see if they can meet our needs.
For people who are already suffering from a critical illness, insurance does not completely solve their problems.
For those who are not yet sick, they need to choose the protection method that suits them according to their own situation.
Although the role of insurance is limited, it is still very necessary to be able to provide some protection for yourself and your loved ones.