Let the "workaholic" leave work on time,
Start taking time to exercise
Let the "old smoking gun" decide to quit smoking,
Embrace healthy living
What the hell is going on?
It is a "lung nodule" that appears in the medical examination report.
Now
People are paying more and more attention to their own health
Diseases of the lungs are also of concern to more people
Friends often leave messages to inquire
What are the lung diseases? Seriously?
Will it affect buying insurance?
We're going to answer these questions today
The lungs are one of the most tired organs in the human body
It's like an "air fan"
Oxygen is inhaled and carbon dioxide is discharged
Sustain our breathing
Machines will age and rust
The lungs are no exception
Many lung diseases occur once they occur
It's urgent and dangerous
Among these common diseases
The most serious is lung cancer
It is the most deadly cancer in mainland China
And the incidence of lung cancer in recent years has shown an upward trend
However, early lung cancer is cured
The "10-year survival rate" can reach more than 90%.
Therefore, early detection and early treatment are very important
A friend who is around 30 years old and has a smoking habit
It is recommended that a chest CT be added to the physical examination
With the popularity of high-resolution CT
The detection rate of lung nodules is also increasing
After many people find out, they directly think that they have cancer
Is that really the case?
A smooth face can get acne
The same goes for clean lungs
Even one long is several
"Acne" formed in the lungs
≤3 cm in diameter are called "lung nodules"
Want to know if a lung nodule is benign or malignant
It should be judged on the basis of a CT report
The imaging description of the lung nodules can generally be divided into three types:
The above 3 types of nodules
The density is different, and the risk of malignancy is different
Both benign and malignant are possible
Some of these solid nodules have the highest rate of malignancy
In addition to judging the nature of the nodules
You will also look at the size and shape of the nodules
Malignant nodules tend to have some special manifestations
More than 90% of lung nodules are not cancerous
Only a few nodules develop into cancer
The doctor will depend on the specific situation of the nodule
Choose a different treatment
All in all, do a good job of treatment
Lung nodules have little impact on daily life
So what insurance can I buy if I find a lung nodule?
We'll look into that in detail in the next section
Requirements and precautions for specific product underwriting
If you need personal assistance
You can also send us a direct message
Patients with nodules go to buy insurance
Insurance companies will strictly review
In addition to looking at the size of the nodule, benign and vicious
A comprehensive assessment of smoking history and family history should also be made
We filter by hand
Find the following cost-effective, permissive products
Let's start with millions of medical insurance and critical illness insurance
Medical insurance is stricter for tuberculosis underwriting
Most products will be denied directly
However, after surgery, there is no suspicion of malignancy
Or no surgery, recent review of disappearance of nodules, etc
Good health insurance (6 years/20 years) can be covered normally
In addition, after the inspection, certain requirements are met
Ping An e-Life Insurance (20 years) can also be excluded
Associated lung disease is not covered, but other benefits are not affected
If these products can not be bought
Micro-insurance inclusive medical insurance can be considered
Or buy a local Huimin Bao
The health requirements for these products are very relaxed
You can also buy it if you have a lung nodule
However, renewal is usually not guaranteed
Seeing the serious illness insurance again, the underwriting is also more stringent
We found Darwin No. 6, Worry-Free Life 2022
If you recover well after surgery, you will have the opportunity to buy it
Without surgery, consider going beyond No. 1
The age requirement is not more than 50 years
2 lung nodules ≤, no malignant signs
The nodule type is a calcified/fat density nodule
And if the smoking situation meets the corresponding conditions, it can be covered normally
Versailles Plus, on the other hand, meets certain conditions
There is also a chance that no surgery will be excluded from coverage, i.e. lung cancer-related exclusions
If you want to buy term life insurance
You can choose a product that does not ask about the lung nodule
For example, Optimus Prime 7, Yimai Xiang Orange and so on
Most accident insurance health requirements are relatively relaxed
Generally do not ask about the lung nodules, you can buy directly
For example, Little Bee 2 Beyond Edition
The products mentioned above
Usually, everyone asks the most questions
Here is also a unified answer