Second,
1. Critical illness insurance is covered except when there is an opportunity: recurrence and metastasis of thyroid cancer are generally not covered, and other diseases in the contract can be settled normally. Some companies will also rule out aphasia. It can be insured half a year after surgery at the earliest. There are two companies.
2, medical insurance small medical insurance, millions of medical insurance also have the opportunity to exclude underwriting: generally exclude all thyroid diseases, while medical expenses for other diseases can be reimbursed normally. Micro-medical insurance can be covered as soon as 1 year, and 1 company can be insured; Millions of medical insurance can be underwritten as soon as two years after surgery, and two companies can insure it.
3. The underwriting of life insurance is looser than medical insurance and critical illness insurance. Term life insurance and whole life insurance can be underwritten at the earliest after half a year of operation, and both companies can be insured. If it is more than 2 years after surgery, you can insure more companies. If life insurance is underwritten, it is either standard underwriting or premium underwriting, which does not rule out, that is to say, even if it is because of thyroid cancer, it can be settled normally.
Third, there is an opportunity to insure after the operation. Cancer medical insurance and critical illness insurance may be covered. According to your situation, thyroid and related diseases are excluded if they can be covered.
1, critical illness insurance generally takes at least half a year. You have time. You need to provide all the latest reports, thyroid ultrasound, thyroid function examination and doctor's medical records; Many insurance companies, such as Tongfang Global, Sino-British Life Insurance and Sino-Italian Life Insurance, have had underwriting cases, which usually take at least 1 year.
2. The medical insurance requirements for cancer prevention are similar to those for critical illness insurance. The main requirements are: only papillary carcinoma or follicular thyroid carcinoma, and no distant metastasis; At present, people's insurance company of China can underwrite the insurance, but others have not paid much attention.