Generally speaking, thyroid nodules are divided into four grades. If it is level one to three, it is more likely to be underwritten after telling the truth, but it may be excluded or underwritten at a higher cost. Only when you reach the fourth level, you are very likely to be refused insurance. However, if it is not informed, no matter how many levels, the insurance company has the right to refuse to pay the claim.
Therefore, if you have thyroid nodules, you'd better tell the truth, otherwise it will be more troublesome to solve the dispute later.
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1. Can I buy critical illness insurance if I have had liver cancer?
You can't buy critical illness insurance if you have liver cancer. Liver cancer is a malignant tumor that occurs in the liver, and it is a serious disease. Although it may be cured in the early stage, as long as the insured has suffered from liver cancer, it is no longer possible to apply for critical illness insurance. When applying for critical illness insurance, the applicant must also give a health notice, and answer the questions asked in the health notice truthfully, and must not conceal the insurance situation, otherwise it will easily lead to claims disputes, and the insurance company may even refuse to pay compensation.
Second, can I buy critical illness insurance for deformed plastic surgery?
After plastic surgery, as long as there is no abnormality after recovery, normal life, work and study will not be affected, and it will generally not affect the purchase of critical illness insurance. After all, critical illness insurance itself does not guarantee congenital malformation, so patients with congenital malformation will not be subject to too many restrictions when applying for critical illness insurance. However, if there are sequelae after plastic surgery that affect normal life, work and study, it is more difficult to insure, and the insurance company needs to give an underwriting conclusion according to the actual health status of the insured.
Third, can you buy millions of diabetes medical insurance?
Three-high diabetes meets the requirements of health notification and can buy millions of medical insurance. Millions of medical insurance will have a health notification threshold, and the health notification of medical insurance will be stricter than other products. However, many insurance companies have launched millions of medical insurance for patients with chronic diseases such as "three high diabetes".
For example, Zhonghui enjoys the three-high version of the electronic health chronic disease version, which is aimed at people with three-high diabetes. The coverage covers 3 million ordinary medical insurance premiums and 3 million medical insurance premiums for major diseases. People with three highs can only buy insurance if they meet the health notification.