Can cancer patients (dying) buy insurance?

Cancer patients can buy insurance, but because the insurance risk of patients is too high, the insurance company will refuse to underwrite, and usually the critical illness insurance has an observation period, and the insurance company will not compensate for accidents during the observation period.

According to Article 13 of the Insurance Law of People's Republic of China (PRC), an insurance contract is established when the applicant requests insurance and the insurer agrees to underwrite it. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms.

An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.

Extended data:

Article 34 of the Insurance Law of People's Republic of China (PRC) * * * Without the consent and approval of the insured, a contract with death as the condition for payment of insurance benefits is invalid. Without the written consent of the insured, a contract with death as the condition for payment of insurance benefits may not be transferred or pledged. The personal insurance that parents take out for their minor children is not subject to the restrictions stipulated in the first paragraph of this article.

Article 35 The applicant may pay the insurance premium to the insurer in one lump sum or in installments as agreed in the contract.

Baidu Encyclopedia-People's Republic of China (PRC) and China Insurance Law