As more and more people pay attention to their physical health, various health insurance policies have also become popular.
However, there is a strange phenomenon now: people who are in good health do not want to buy insurance, and people who have physical problems cannot buy insurance.
So, if you can't buy critical illness insurance and million medical insurance, what insurance can you buy?
First of all, it's older.
The general age limit for medical insurance is 65 years old, and the age limit for critical illness insurance is about the same.
Especially for critical illness insurance, once you get older, the premium will be very expensive, and the sum insured will not be very high.
In the case of an inverted premium, there is no need to buy it.
Secondly, the physical health is not good.
The underwriting of million medical insurance and critical illness insurance is very strict, and once there are some physical problems, the underwriting stage may not be passed.
In the best case, it is excluded or increased coverage, but if there are some chronic diseases, genetic diseases, etc., it is very likely to refuse the insurance outright.
First of all, it is to buy cancer insurance as a subordinate alternative to critical illness insurance.
Cancer insurance, also known as the entry-level version of critical illness insurance, mainly covers malignant tumors.
The payment method is the same as that of critical illness insurance, that is, when you suffer from the contracted cancer, the insurance company will pay a sum of insurance benefits.
Generally speaking, the health notice of cancer insurance is relatively relaxed, and will not ask about the three highs, diabetes, etc.
Moreover, the age limit for insurance is not large, and some products can even allow 80 years old.
Secondly, use cancer prevention medical insurance as a subordinate replacement for million-dollar medical insurance.
Cancer medical insurance is similar to cancer insurance, which is protection against cancer.
The main reimbursement is for medical expenses incurred due to cancer, such as hospitalization, special outpatient services, proton heavy ions, purchased drugs, etc.
The health notice of cancer prevention medical insurance does not ask about the three highs, diabetes, heart diseases, etc., which is very suitable for friends with chronic diseases to consider.
In addition, most cancer medical insurance plans allow you to apply for insurance at the age of 70, and the premiums are also very cheap, so it can be said that it is worth considering.
Then, consider buying an accident insurance.
After all, accident insurance basically does not require health notice, and it can also enhance our ability to cope with unexpected risks.
A few hundred dollars can buy millions of insurance amounts, which is still worth considering.
Finally, you can buy a Huimin Insurance.
Because the insurance conditions of Huimin Insurance are very relaxed, even people with pre-existing conditions can be insured.
And the age limit is very small, and people in their seventies and eighties can buy one.
First, select the Smart Underwriting channel.
Although the requirements for health notification are generally stricter for medical insurance and critical illness insurance, they are more lenient with products that can be intelligently underwritten.
Moreover, smart underwriting is not real-name system, so there is no need to worry about being denied.
However, if you have been diagnosed with a critical illness, then you will basically be denied coverage for medical insurance and critical illness insurance.
Second, choose a different company to insure.
If you can't buy it because of past medical history, the underwriting standards of million dollar medical insurance and critical illness insurance are different for different companies.
You can try to ask more questions from different companies, and maybe you can find products that you can invest in.
Finally, take out insurance after **.
If you can't buy millions of medical and critical illness insurance for health reasons for the time being, you can actively wait until your condition improves, and continue to try to apply for insurance with a review report.
In general, if you can't buy critical illness insurance and million-dollar medical insurance, there are alternatives to choose from.
Of course, if your physical health is not bad, it is better to give priority to buying million-dollar medical insurance and critical illness insurance.