Medical students who do not understand psychology are not good insurance brokers
This article is "Lu Pengna" Article 108 Original article
The full text is about 2,000 words, and read for about 4 minutes
Preface
"Disease Insurance Guide" Special Topic , it is for common diseases/sub-health conditions, sorting out and suggesting.
Because of the differences between " clinical medicine " and "understood insurance medicine", the same disease/sub-health situation, the evaluation recommendations for clinical and underwriting are different. It's okay in clinical practice. The insurance underwriting results may be: normal coverage/extra coverage/exclusive coverage/deferred coverage, depending on the specific circumstances.
This is the 9th issue of the "Disease Insurance Guide". The diseases that have been popularized insured guidelines are as follows:
Baidu Health Medical Dictionary
Patent foramen ova is one of the most common congenital heart disease in adults.
The incidence of patent foramen ovale in general is about 25%. As we age, the prevalence rate. It will gradually decrease. After research, it was found that the incidence of patent foramen ovalial aged 1 to 29 is 30%, 25% aged 30 to 79 years old, and 20.2% aged 80 years old.
volum oval foramen classification
volum oval foramen, why does it affect the purchase of insurance?
Theoretically speaking, even if the foramen ovale is not closed, under a physiological state, it generally will not cause abnormal blood shunt or low shunt, and the patient will not have symptoms.
When the patient's right atrium pressure exceeds the left atrium due to various reasons (such as vigorous exercise, cough, diving, etc.), the patient's patent foramen ovale can cause obvious right-to-left abnormal shunt in the heart, either briefly or continuously.
thus causing unexplained causes stroke , migraine , decompression disease , oblique respiration-orthostatic hypoxemia and other related clinical syndromes, and begin to appear corresponding symptoms, including headache, dizziness, dyspnea orthopaedic weakness of the limbs.
Disappeared foramen ovale Many patients have no symptoms for life and do not need treatment.
ovale foramen, underwriting conclusions refer to
. Underwriting of the foramen ovale may be :
Medical insurance
High degree, whether the surgery is performed, current cardiac function status, etc.; is excluded from or refuses to cover.
critical illness insurance
based on the degree, age of the insured person, whether the surgery is performed, current cardiac function status, etc.; it is possible to refuse insurance; children under 1 year old may be postponed.
Life insurance
based on the degree, age of the insured person, whether the surgery is performed, current cardiac function status, etc.; it is possible to refuse insurance .
cancer prevention insurance
usually standard for .
Accident insurance
If life insurance can be insured, accident insurance is usually standard for insured .
annuity insurance
usually standard coverage.
Take critical illness insurance as an example. Beijing Life Bumblebee No. 7 Children's Critical Illness Insurance obtained the standard results through intelligent underwriting. Two types of cases: First, automatic healing, cardiac color ultrasound is normal; second, normal after the operation, cardiac color ultrasound is normal, the specific conditions are as follows:
Underwriting summary
Pre-closed foramen ova, mainly depends on whether there are abnormalities in the heart color ultrasound, electrocardiogram, etc., and whether there are other functional or organic abnormalities or changes in the heart.
underwriting information is best complete. Recently, cardiac color ultrasound, electrocardiogram, outpatient medical records should also be kept intact. Infants and young children should provide a child care manual; if the surgery has been treated, the pathological report, discharge and hospitalization records, diagnosis certificates, and the re-examination of heart color ultrasound and electrocardiogram within half a year should also be prepared.Ovale papillary foramen, insurance strategy recommendation
Multiple insurance
Multiple insurance companies:
means that the broker can insure the principal in multiple insurance companies, and at the same time select 2-3 insurance companies with relatively loose underwriting. The principal finally depends on the underwriting results. Just choose the best one, and there is no need to pay any extra fees throughout the process.
The foramen ova is not closed and has the opportunity to see the underwriting results of different insurance companies and obtain the best results.
Under protection pre-insurance
Under protection pre-insurance:
refers to the situation when direct insurance may be extended and rejected, the broker can submit customer health information through the function of underwriting pre-insurance/pre-insurance, and first understand the possibility of underwriting of the insurance company. If it is passed, you will directly take out insurance; if the insurance is deferred, there will be no formal underwriting record left. In the future, there is no need to inform other insurance companies that have been deferred insurance (the pre-underwriting is relatively accurate and reliable in advance).
The foramen ova is not closed mainly depends on the heart color ultrasound and electrocardiogram, and it will also be judged based on age and ultrasound description.
Age is <4>5mm and will be postponed to the 4-year-old re-examination. The insurance company with strict underwriting may not be subject to congenital heart disease.
Age ≥4 years old, defect ≤5mm, no other abnormal heart, and general liability for critical illness insurance. The defect is >5mm and is delayed to surgical treatment.
In order to avoid leaving bad underwriting records, the client hopes to try to take out insurance at the moment, so he can first consider the pre-underwriting requirement (the extension of the insurance will not leave a formal record).
Health information required for insurance
outpatient medical information, child care manual (children), cardiac color ultrasound and electrocardiogram; hospitalization treatment information generally includes pathological report, discharge inpatient records, diagnosis certificates, and re-examination of cardiac color ultrasound and electrocardiogram within half a year .
Summary of insurance:
1 At least a heart color ultrasound and electrocardiogram are required to provide insurance materials within half a year. It is best to wait until 1 year old to close naturally and take the insurance with a review report.
Depending on different situations, multiple insurance and underwriting pre-insurance strategies can be adopted, and insurance companies that can underwriting pre-insurance are preferred, which is more valuable to the principal.
Thinking questions
If the customer is under 1 year old, the ultrasound diagnosis shows that the foramen ovale is not closed, and the left-to-right shunt signal is probed at the foramen ovale, and the beam width is about 2.3mm. What will happen to the conclusion of the underwriting of serious diseases? Do you have to wait until you are 1 year old before taking out insurance? What information is needed? Is it recommended that customers take pre-underwriting or directly apply for insurance?
Partial citation source: Baidu Health Medical Dictionary
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