Insurance is a risk management tool, and by paying a certain premium, you can get compensation in the event of an accident or disaster, thereby reducing financial losses and psychological stress. However, if you already have a medical condition when you buy the insurance, will your insurance be able to cover it? This is a question that many people are concerned about, and it is also the subject of this article. This article will analyze the question of whether the insurance with illness can be claimed from the following aspects:
What is sickness insurance?
What are the types of insurance for sickness?
What are the conditions under which insurance can be covered with illness?
How to choose and purchase insurance for sickness?
What are the precautions for insurance claims for sickness?
Through the reading of this article, you will be able to understand the relevant knowledge of insurance with illness, and provide reference and help for your insurance selection and claim.
1. What is sick insurance?
Sickness insurance, as the name suggests, refers to a situation where you already have a certain illness at the time of purchase. The disease can be diagnosed or undiagnosed, but there are already signs or symptoms. For example, if you already have chronic diseases such as high blood pressure, diabetes, heart disease, or chest tightness, headache, vomiting, etc., you are insured with illness.
Insurance with illness refers to insurance products provided for people who are insured with illness, and usually has certain restrictions and requirements, such as the level of premium, the size of the sum insured, the scope of coverage, and the conditions for claims. Insurance with illness can be divided into two categories: one is insurance specially designed for people who are insured with illness, and the other is ordinary insurance, but it can accept insurance applied for by people with illness.
2. What are the types of insurance for sickness?
Insurance designed specifically for people with illness, usually for one or more diseases, such as high blood pressure insurance, diabetes insurance, heart disease insurance, etc. The characteristic of this type of insurance is that as long as you meet the insurance conditions, you can buy insurance directly without a medical examination or a simple medical examination. The advantage of this type of insurance is that it is easy to insure, easy to claim, and you will not be denied a claim because of your illness. However, the disadvantage of this type of insurance is that it has a higher premium, lower sum insured, and narrower coverage, which can only cover the illness you already have or the complications related to it, and cannot cover other illnesses or accidents.
Ordinary insurance, but it can accept the insurance applied for by people with illness, usually some comprehensive insurance, such as critical illness insurance, accident insurance, medical insurance, etc. This type of insurance is characterized by a detailed medical examination and health notice, and depending on your illness, the insurance company will decide whether to accept your insurance and whether to increase or reduce the sum insured for your insurance. The advantages of this type of insurance are that the premiums are lower, the sum insured is higher, and the coverage is wider, which can cover a wide range of illnesses and accidents. However, the disadvantage of this type of insurance is that it is not easy to insure, the claim is complicated, and you may refuse to make a claim or reduce the payout ratio because of your illness.
3. What are the conditions for insurance with illness to be claimed?
Whether or not an insurance policy with illness can be claimed depends mainly on the following conditions:
Whether you are eligible for insurance. Different insurance products have different insurance conditions, such as age, gender, occupation, health status, etc. You need to read the terms and conditions of the insurance carefully before applying for insurance to understand whether you are eligible for insurance, if not, the insurance company has the right to refuse your insurance or claim.
Have you been truthfully informed about your health? Health notification means that you provide information about your health status to the insurance company when you apply for insurance, including whether you have a certain disease, whether you are taking certain medications, whether you have had surgery or hospitalization, etc. Health notification is an important part of the insurance contract, you must truthfully inform the health of the health notice, otherwise, the insurance company has the right to reject your claim or terminate the insurance contract.
Whether or not you are eligible for insurance coverage. Different insurance products have different claim conditions, such as the time, place, cause, and extent of the insured event. You need to read the terms of the insurance carefully before making a claim to find out whether you are eligible for a claim, if not, the insurance company has the right to reject your claim or reduce the reimbursement ratio.
4. How to choose and purchase insurance for sickness?
Insurance for illness needs to be reasonably selected and purchased according to your specific situation. Here are some suggestions to consider:
Depending on the type and extent of your illness, choose the right insurance product for you. If your illness is relatively common and mild, such as high blood pressure, diabetes, etc., you can choose some insurance specifically designed for people with illness, or some ordinary insurance, but you can accept insurance for people with illness. If your illness is relatively rare and serious, such as cancer, AIDS, etc., it may be difficult for you to find a suitable insurance product, you can consult a professional insurance advisor for help.
Choose the right insurance package for you based on your insurance needs and budget. If your insurance needs are more comprehensive and high-value, you can choose some comprehensive insurance, such as critical illness insurance, accident insurance, medical insurance, etc., to cover a variety of risks and high payouts. If your insurance needs are relatively simple and low, you can choose some special insurance, such as hypertension insurance, diabetes insurance, heart disease insurance, etc., to make claims for the diseases you already have or the complications related to them. You can also choose the premium and sum insured that suits you according to your budget to achieve the best value for money for insurance.
Choose the right insurance service for you according to your channel and method of application. If your insurance channel is through the Internet or **, you can choose some** insurance products, which can save your time and cost, and you can also enjoy more discounts and activities. If your insurance channel is through physical stores or **people, you can choose some offline insurance products, so that you can get more professional and personalized insurance services and consultation. Depending on how you apply for insurance, you can also choose the insurance term and payment method that suits you to meet your insurance needs and plan.
Conclusion
Sick insurance is an insurance product for people who already suffer from a certain disease, and can obtain corresponding compensation in the event of an insured accident, thereby reducing the economic and psychological burden. There are different types and characteristics of insurance for sickness, and you need to make a reasonable choice and purchase according to your specific situation. Whether you can make a claim for insurance with illness mainly depends on whether you meet the insurance conditions, whether you have truthfully informed your health, and whether you meet the insurance claim conditions. Insurance with illness is an insurance product with risks and benefits, you need to read the terms of the insurance carefully before applying for insurance, understand the rights and obligations of insurance, and avoid claims disputes and losses.
I hope this article can provide some reference and help for you to choose and claim insurance with illness, if you have any questions or suggestions, please leave a message in the comment area, I will reply to you as soon as possible. Thank you for reading and supporting, and I wish you good health and good luck!