Before entering the text, I'll send you a disease insurance strategy: Super Strategy: Can all kinds of diseases be insured? How to insure?
1. What insurance can I buy if I have liver disease?
Liver diseases include hepatitis B, hepatitis A, liver cirrhosis and fatty liver. Generally speaking, if the illness is not particularly serious, it will not affect the insurance of accident insurance and life insurance, but it will have a greater impact on the insurance of critical illness insurance and medical insurance.
Accident insurance protects the risk of accidents, which are the most difficult to prevent, so there is usually no health notice and the insurance threshold is extremely low.
As for life insurance, insurance liability is mainly death and total disability protection, and health notification is relatively loose.
However, critical illness insurance and medical insurance have strict requirements on the health of the insured. Patients with liver diseases may find it difficult to pass health notification, or insurance companies will not underwrite the subjects, but will increase the expenses or exclude underwriting.
You need not be too discouraged. Intimate school sister carefully counted ten quite friendly critical illness insurance: the latest one! The top ten health warnings are loose, and the critical illness insurance is large!
Second, what should I pay attention to when buying insurance for liver disease?
The most important principle for patients with liver disease to buy insurance is "tell the truth, don't ask, don't answer".
Truthful notification means that the insured truthfully answers all the questions of health notification based on the medical diagnosis results.
If some diseases are deliberately concealed, then if the insured is in danger because of the disease, the insurance company also has legitimate reasons not to bear the corresponding insurance liability.
Secondly, don't ask, don't answer means that you don't have to take the initiative to say something that is not asked in the health notice, but you think it may affect the underwriting result.
Space is limited, and senior sister has compiled all the precautions for insuring illness here: remember these five steps to make you insure illness smoothly!
Hope to adopt
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