If you buy millions of medical insurance, millions of medical insurance can reimburse the reasonable and necessary medical expenses for cyst treatment, including hospitalization expenses, outpatient and emergency medical expenses before and after hospitalization, outpatient surgery medical expenses, special outpatient medical expenses and so on. Critical illness insurance can pay a sum of insurance money after the insured suffers from brain cyst and meets the claim conditions. Generally, claims are made according to the lighter condition, but for other cysts, they are generally not covered by the critical illness insurance.
The following examples illustrate the influence of different types of cysts on the purchase of insurance:
Breast cyst
Breast cyst is a benign lesion, which can be divided into simple cyst and galactorrhea cyst. Simple cyst is also called cystic hyperplasia of breast, which is mainly caused by ovarian dysfunction. It may lead to cancer after a long time, and the probability is relatively small. Breast cyst, also known as mammary duct, is common in lactating women and is mostly caused by breast blockage.
The health notification requirements for critical illness insurance and medical insurance are strict, so it depends on the situation:
(1) If it is only a simple cyst or galactorrhea cyst, it can be insured normally.
(2) There are breast cysts with axillary lymph node enlargement, and the coverage may be delayed.
(3) Other signs such as punctate calcification and opaque cystic fluid were revealed during ultrasound examination. , which may be included in the exclusion.
ovarian cyst
Ovarian cyst is also one of the common gynecological diseases, which can occur at any age and can be divided into physiological and pathological, benign and malignant. Physiological ovarian cysts will change or disappear with menstruation, which generally does not affect insurance. Pathological ovarian cysts depend on specific circumstances.
Critical illness insurance: most critical illness insurance products can be insured normally after surgery and the pathological results are benign; No surgery depends on the number and diameter of cysts.
Medical insurance: For diseases such as uterine fibroids and breast nodules, most of the millions of medical insurance need surgery to cover them.
Therefore, when it comes to insurance, you should buy it as early as possible. When you are young and ready for good health, you don't have to worry about whether you can pay for it if you are sick. Secondly, whether you can get the insurance company's claims smoothly when you are out of danger is a key factor, that is, health notification, which is the most critical and complicated step in the configuration of personal insurance. The health notification of mainland insurance adopts the way of inquiry, that is, answer whatever you ask, don't ask or don't answer.
If the insurance does not meet the health requirements, even if the insured goes out of danger in the future, the insurance company will refuse to pay compensation and the premium paid by the insured will not be refunded. Therefore, whether the health notification is true or not directly affects whether the claims can be settled smoothly in the future. Every insurance company's products will ask different health notification questions, even if it is the same product, the questions will be different. Therefore, before applying for insurance, we must be optimistic about the terms, tell the truth when asking, and follow the principle of utmost good faith, which is also the basis for signing an insurance contract.