As mentioned in 202 1 China fatty liver prevention and treatment guide,
At present, fatty liver has replaced viral hepatitis and become the largest liver disease in the world, including China.
According to statistics, the incidence of fatty liver in some areas of China is as high as 45%, and it is roughly estimated that the total number of patients with fatty liver in China has exceeded 300 million.
Many people are surprised:
I am young and not fat. How can I get fatty liver? Can I buy insurance if I find out fatty liver?
Let's talk about this topic today.
First, know fatty liver
Fatty liver is a common liver disease.
Simply put, liver cells accumulate too much fat.
It is usually caused by excessive drinking, excessive weight loss, malnutrition, diabetes or certain drugs.
In fact, each of us has a certain amount of fat, and there will be a small amount of fat in liver cells.
But under normal circumstances, the total fat in the liver will not exceed 5% of the liver.
Excessive liver fat can lead to fatty liver.
According to the degree of hepatic steatosis, fatty liver can be divided into three types: mild, moderate and severe:
Fat content over 5%- 10% of liver weight is mild, over 10%-25% is moderate, and over 25% is severe.
According to the etiology, it can be roughly divided into two categories: alcoholic fatty liver and nonalcoholic fatty liver.
Alcoholic fatty liver is caused by long-term excessive drinking;
The main cause of nonalcoholic fatty liver disease is obesity.
However, some thin people may also get fatty liver. Common reasons are: fasting, excessive dieting, and rapid weight loss; Malnutrition; Or some drugs or chemical poisons of diabetes may cause fatty liver by inhibiting the synthesis of protein.
Many female friends also have fatty liver after pregnancy.
Second, if you have fatty liver, can you still buy insurance?
Don't worry. Generally speaking, fatty liver is a reversible disease. Early diagnosis and timely treatment can often return to normal.
But different types of insurance have different requirements for fatty liver. Some types of insurance depend on the severity of fatty liver.
Relatively speaking, it is more difficult to insure alcoholic fatty liver.
The general situation is as follows:
Critical illness insurance: nonalcoholic fatty liver, non-severe fatty liver, and the liver function test value within half a year is within 1.5 times of the normal value. Some critical illness insurance can be standard.
Some products will also look at the history of elevated blood pressure and blood sugar, whether there is a history of fatty liver hospitalization, drinking history and so on.
Medical insurance: Compared with critical illness insurance, the requirements are more stringent. The general requirement is not severe fatty liver, nor is it diagnosed as alcoholic fatty liver;
At the same time, it depends on whether the liver function is normal, and it is also necessary to comprehensively evaluate blood pressure and blood sugar. , can be underwritten normally.
Life insurance: relatively loose, many people can directly insure without asking about fatty liver.
Accident insurance: generally, it does not involve health notification, and patients with fatty liver can basically buy it directly.
It can be seen that the underwriting of fatty liver is mainly affected by critical illness insurance and medical insurance.
Insurance companies generally consider the types of fatty liver, liver function, obesity, hypertension, hyperglycemia, drinking, hospitalization and other factors.
If the indicators are normal, the critical illness insurance may be underwritten by the subjects, and if the medical insurance is loose, it may also be underwritten by the subjects.
Alcoholic fatty liver: mostly caused by alcoholism, it is often more likely to induce high-risk diseases such as diabetes, hypertension and even cancer. Insurance companies generally refuse insurance directly.
Nonalcoholic fatty liver: According to the severity of fatty liver, eligible organic labels will be covered.
Mild fatty liver: usually there are no clinical symptoms, and it can basically return to normal through exercise and diet control in the early stage.
It generally has no effect on buying insurance. It is recommended to exercise more and buy normally after the indicators are qualified.
Moderate fatty liver: liver function, blood lipid, blood sugar, blood pressure and other indicators will be considered comprehensively when underwriting.
The insurance company will make different results according to the inspection report: normal underwriting, exception, increase cost, extension of underwriting, etc.
Severe fatty liver: it is usually easier to turn into cirrhosis and liver cancer, and insurance companies are basically unwilling to take this risk.
In addition to accident insurance, such as critical illness insurance, medical insurance and even life insurance will be refused in most cases.
Third, write it at the end.
Stay away from fatty liver, which requires us to strengthen exercise at ordinary times, not to lose weight excessively, and stay away from alcohol, high-sugar and high-fat foods.
Although the incidence of fatty liver is high, fortunately, as long as it is not very serious, it can be cured through treatment, exercise and diet improvement.
After buying insurance, most of them can be underwritten normally.
I hope everyone will take good care of their little darling and don't let it get too greasy.
Insurance is a technical job. If you are abnormal, you should pay more attention. You must ask professionals to vouch for you. /feed/d 009 B3 de 9 c 82d 158096 a 89 C2 c8 D3 AFD 2 BD 3 e 4239 . JPEG？ token = 275 ca 74873649 ef3d 4244 c 13822 ffcad