ping e-sheng insurance 2022 million medical insurance is not insured for multiple vasculitis, so friends who have vasculitis are likely to be unable to insure this product.
However, there are still some insurances on the market that are more friendly to patients with vasculitis.
Next, the senior sister will talk about the insurance for patients with vasculitis.
The focus of this article:
1. Can I buy insurance if I have vasculitis?
2. How to buy insurance while sick? What should I pay attention to?
3. Is it better to buy insurance online or offline if you have vasculitis?
4. Will the claim settlement be affected after successful insurance with vasculitis?
1. Can I buy insurance if I have vasculitis?
Vascular inflammation is characterized by vascular inflammation . It is a group of autoimmune diseases . Due to the human immune dysfunction, it causes damage to its own blood vessels, including cellulose deposition, collagen fiber degeneration, endothelial cell and myocyte necrosis.
Common symptoms are intermittent or persistent fever , which may lead to severe adverse prognosis, including vision loss, aneurysm formation and renal failure.
Whether patients with vasculitis can buy insurance should be analyzed based on the actual situation of the patient.
If it is a slight situation with and only common joint pain, you can still take out some health information critical illness insurance and medical insurance .
If the condition is more and severe , it has already affected all the organs and systems of the body, and there are severe arterial stenosis and , and the nerves lose blood supply. It is difficult to buy two types of insurance, including critical illness insurance and medical insurance, and it is likely to be rejected.
However, patients with vasculitis can still consider taking out several major insurance types: cancer prevention insurance, accident insurance, life insurance, and annuity insurance . The products of these types of insurance will be relatively loose to customers' health notifications. Some products do not even have health notifications, which are more suitable for patients with vasculitis to take out insurance.
2. How to buy insurance while sick? What should I pay attention to?
1, health notification
Generally, before taking out health insurance (such as critical illness insurance, medical insurance ), you usually need to do health notification . This is essentially a risk assessment for the insured person, effectively helping insurance companies avoid some behaviors of taking out insurance with illness and maliciously defrauding insurance premiums.
When the health notification meets the requirements, we can take out insurance. However, when making health notifications, you must inform them truthfully, follow the principle of limited notification , and ensure that has questions and answers, and do not answer without asking or answering. Never hide your illness in order to successfully take out insurance. Even if there is a danger, the insurance company has reason to refuse to make a claim.
In addition to truthfully informing your health status when taking out insurance, friends with vasculitis can also choose products with loose health notifications to take out insurance. The different products of each insurance company have different contents in terms of health notification, and the severity is also different.
Some products have relatively loose insurance restrictions on vasculitis. For example, does not ask about the BMI index, does not ask about the insured's family medical history, etc., so you can choose this type of product for insurance.
2, underwriting
If the insured cannot pass health notification and wants to try to take out insurance, then underwriting can be performed. Underwriting can be divided into two types: intelligent underwriting and manual underwriting .
will not leave an underwriting record through intelligent underwriting . Consumers will answer questions under the guidance of intelligent underwriting, and insurance companies will further confirm their insurance qualifications and can quickly obtain underwriting conclusions.
. Manual underwriting is the insured who submits the information to the insurance company and is reviewed by professional underwriting personnel of the insurance company. Because it is artificial, the results of underwriting will be more flexible, but most of the cases of manual underwriting will leave traces of underwriting .
senior sister suggests that you give priority to intelligent underwriting , because in this way, even if you cannot pass underwriting, you will not leave a record.
3. Is it better to buy insurance online or offline if you have vasculitis?
For patients with vasculitis, there are two main insurance channels that can be selected: online insurance and offline insurance .
If you choose to take out online insurance, you can purchase it through the insurance company's official microscope, official website or third-party insurance platform.
If you want to take out insurance offline, you can purchase it through offline insurance company outlets and insurance salesmen you know.
Of course, senior sisters recommend that patients with vasculitis choose to take out online insurance, for example, through some third-party insurance platforms , to configure insurance, let professional staff configure insurance products for us and put forward more targeted insurance suggestions.
4. Will the claim settlement be affected after successful insurance with vasculitis?
After suffering from vasculitis and truthfully informing you of your health, if the insurance company agrees to underwrite the standard , it will not affect the claim settlement. If is covered by , the insurance company will also agree in advance that it will not bear insurance liability for complications of vasculitis and vasculitis.
In addition, the common reasons for insurance companies to refuse claims include: the insurance does not comply with the contract claims regulations, incomplete claims information, no truthful notification, and touching the disclaimer clause , etc.
However, if we truthfully inform our health status from the beginning, see the insurance terms and conditions of the insurance terms and conditions, and prepare a complete claim information when making claims, then we can generally avoid the occurrence of refusal.
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