Congenital heart disease is not covered by critical illness insurance, but if you have coronary heart disease and need heart valve surgery, it is included.
This can be divided into two situations. 1 You know that you have congenital heart disease when you take out insurance, so you may not be able to take out insurance, but it does not rule out that some companies may allow you to take out insurance. This is because congenital diseases, including congenital heart disease, are generally exempted from liability in the contract. Because of the responsibility of excluding breach of contract, there is generally no need to increase fees or have any special conditions. The second is that if you don't know that you have congenital heart disease when you apply for insurance, then this situation can also be insured normally, without affecting the payment of other diseases in the future.
If you didn't know you had a congenital heart disease when you took out the insurance and didn't tell the insurance company, then this situation is not untrue. Your insurance policy is valid and you can continue to pay the premium.
But in general, there are exemption clauses for congenital diseases in our insurance policies. Congenital diseases, including congenital heart disease, can't be paid, so if you have heart valve surgery because of congenital heart disease, there is no way to pay, but although this disease can't be paid, it won't affect your payment for other diseases, nor will it affect the effectiveness of the contract.
If you want to know whether you can insure against diseases, you can click on the link above to scan the code and add customer service inquiry ~