What insurance can people with respiratory diseases buy?

What insurance can people with respiratory diseases buy? For patients with respiratory diseases, you can still buy accident insurance for patients with respiratory diseases.

There are many kinds of respiratory diseases, such as pneumonia, pulmonary nodules, bullae, pulmonary hypertension, asthma, bronchitis and rhinitis. It can be seen everywhere in our lives. Affected by environmental changes, the incidence rate continues to increase.

There may be many people who can't buy insurance because of respiratory diseases. In fact, for those who do not meet the requirements of health notification, they can tell the truth about their physical abnormality through smart underwriting, and then they can know whether they can be insured: "What is smart underwriting? What's the use? 》

With respiratory diseases and other symptoms, you can still buy accident insurance under normal circumstances, because accident insurance protects external factors, so you can also buy something different. Health insurance such as medical insurance and critical illness insurance will have strict health notification requirements, and the insurance that can be bought is very limited.

For example, rhinitis, which we are all familiar with, is not a serious illness, but buying insurance for rhinitis will also be restricted. Some insurance companies will assess the risk of groups with medical history to determine whether to underwrite or increase the cost. So how should I fill out the health notification form if I have a past medical history? How to do it specifically, the senior has arranged it for everyone: "How to insure against illness insurance? Just five simple steps! 》

Pulmonary nodules are also a common example of insurance. Pulmonary nodules are different from ordinary thyroid nodules. Thyroid nodules can be graded and underwritten according to grading standards. Suffering from pulmonary nodules is more limited than thyroid nodules, and many insurance companies will not cover it. Even if you can buy it, you need to pay special attention to the terms, otherwise it will have an impact on the later claims, and even be directly refused by the insurance company.

Therefore, you need to pay attention to many things when you apply for sickness insurance. Learn the skills of insuring against diseases and learn these five steps to teach you how to insure against diseases. Just five simple steps! 》

After suffering from rhinitis and pulmonary nodules, the insurance products you can choose are very limited. You can also pay attention to Xueba's insurance on the official WeChat account. We have experts to configure one-to-one insurance according to your specific situation!

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If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.

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