Health insurance generally requires higher health of the insured and strict health notification. If the insured's physical condition does not meet the underwriting requirements of the insurance company, it cannot be insured.
However, surgery also has some unknown risks. For insurance companies, underwriting is too risky and generally will not be underwritten. After the operation, you can see which insurance products you can insure according to your physical condition.
Of course, you can also consult the insurance company specifically to see if it is possible for the insurance company to consider underwriting according to the type of operation or personal illness.
For such a small partner who doesn't know much about basic insurance knowledge, it is recommended to take a look at it first: Super Complete! Everything you want to know about insurance is here.
In addition, it should be noted that health insurance has a waiting period. During the waiting period, if an accident occurs for reasons other than accidental injury, the insurance company will not pay for it.
And postoperative reexamination is often needed. If the review is conducted during the waiting period and the diagnosis is made after the waiting period, the insurance company often does not assume the responsibility of claim settlement.
For example, if medical insurance detects an abnormal situation during the waiting period, it will be directly characterized as a past disease and will not be reimbursed.
If you want to know more about the waiting period, you can look at it: Will the insurance company not lose money during the waiting period? If you don't understand, you will suffer a big loss!
If you have abnormal health after operation but want to apply for health insurance, you can check whether the disease is informed in the health notification of the product, and look at some products that have loose health notification and support intelligent underwriting.
If you can intelligently underwrite, it is more difficult to leave records than manual underwriting, and it is not easy to affect subsequent claims. 、
If you don't know the difference between the two, you can take a look: What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!
The above is all my answers to this question, I hope it will help you!
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