HBV carriers ≠ HBV patients.

It is relatively easy for hepatitis B virus carriers to buy insurance. As long as the liver function is normal and there is no damage, there is still a chance to get insurance online and offline. However, pathologically, hepatitis B is more serious than hepatitis B virus carriers, and many insurance companies have restrictions on their health insurance. So how do insurance companies specifically underwrite hepatitis B virus carriers?

1. Accident insurance

Accident insurance does not need to be informed by health. It is understood that you can buy it as long as you can work and live normally. Having hepatitis B does not affect the purchase of accident insurance, so both hepatitis B virus carriers and hepatitis B can get accident insurance protection.

2. Medical insurance

Medical insurance belongs to reimbursement insurance, which is generally aimed at the expenses incurred by "outpatient and hospitalization". Because payout ratio is too high, the underwriting scale is quite strict. Generally, in addition to acute inflammation (such as pneumonia, enteritis, mastitis during lactation, etc.), the past diseases and abnormal parts will be exempted from liability, and some will even refuse insurance, and hepatitis B virus carriers are no exception.

3. Critical illness insurance

Compared with medical insurance, critical illness insurance is more relaxed in health notification. For hepatitis B virus carriers, some critical illness insurance can be insured online, some critical illness insurance will require manual underwriting, and some insurance companies' products have intelligent underwriting function, which has a high probability of passing, and generally need to be underwritten or excluded.

As for hepatitis B, it's a bit difficult to buy critical illness insurance. The health notification requirements for insurance will directly point out that underwriting will generally fail.

Extended information:

Specific disease insurance: refers to the insurance that covers one or more specific diseases.

There are two main types:

First, women's specific disease insurance

Because women's physique is worse than men's, the incidence of women's diseases is higher, and women's specific disease insurance is an insurance product specially developed to protect women's health.

But no matter what kind of women's insurance, as an insurance product tailored for women, women's specific disease insurance has three advantages and distinctive functions: it can pay for women's security expenses in special periods, such as marriage, pregnancy and childbirth;

Secondly, women's specific disease insurance will set up special insurance coverage according to women's physiological characteristics to provide medical protection for women's unique diseases such as breast cancer, ovarian cancer and cervical cancer;

Thirdly, considering women's demand for beauty, some women's insurance policies can also compensate women for plastic surgery due to accidents.

II. Children's specific disease insurance

Leukemia is a malignant tumor of human hematopoietic system, and it is often called hematologic cancer. Hematopoietic cells of the human body become cancerous under the action of carcinogenic factors, which causes a large number of immature cells to proliferate widely and uncontrollably, appear in bone marrow and other tissues and organs and enter the surrounding blood, thus forming leukemia.