Can I buy insurance for emphysema?

Emphysema is generally insured with critical illness insurance and medical insurance, but it will be refused. If you are insured with accident insurance, property insurance and life insurance, it will not be affected. However, different insurance companies have different underwriting methods and standards for critical illness insurance and medical insurance. If consumers want to be insured, they can try products from different insurance companies. If they really can't, they can't buy it.

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Insurance products will have their own health questionnaire, which contains a series of health problems that insurance companies are concerned about, such as whether they have suffered from a certain disease and whether they have high blood pressure. Consumers only need to answer these questions truthfully, and do not need to take the initiative to tell them questions that are not asked in the questionnaire. Only when the insurance policy is particularly large, the insurance company will require a physical examination to prevent risks.

Then according to our answer, the insurance company will know what our problem is. In order to ask for further details. For example, if I answer that I have high blood pressure, then the insurance company may need to look at my recent physical examination report to see how high my blood pressure is, whether it is stable, and whether there are cardiovascular complications. ...

Then if you don't have the detailed information required by the insurance company, you need to go to the hospital for a specific inspection and submit the report to the insurance company for review. Therefore, unless it is a large insurance policy, whether to check it depends on whether the auditor feels it necessary to further supplement the information to understand your health.

After collecting enough information, the auditor can make a comprehensive evaluation of our existing health problems, so as to draw a conclusion, whether to insure normally, increase the cost (extra premium), not insure (in some cases), postpone (later improve) or refuse to insure (not insure).

Minbao provides users with personalized demand analysis and risk assessment, customizes family protection schemes, matches the most suitable insurance products on the market, and provides detailed scheme interpretation. Provide formal insurance channels and assist in underwriting and handling procedures throughout the process.