With the continuous advancement of medical technology, cancer is changing from a high-incidence critical illness to a chronic disease.
This means that there is a high probability of cancer survival in the future.
What else can insurance do in this situation?
If we are unfortunate enough to suffer from cancer, can we still buy critical illness insurance?
Can I still buy critical illness insurance if I have cancer?
The main purpose of buying critical illness insurance is to prevent economic losses caused by critical illness, and the most common of these critical illnesses is cancer.
However, cancer is what we call it colloquially, and the name in insurance should be malignancy.
Once you suffer from a malignant tumor, it is better to say that you have bought insurance before, but if you want to buy it again if you don't buy it, there is actually no hope.
However, there are some exceptions, and that is cancer, which is not a malignant tumor. For example, thyroid cancer, breast cancer, colon cancer, etc.
For thyroid cancer, the risk of malignancy is relatively low for many types, so it is also called "cancer-loving".
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And it is precisely because the risk is not so high that some critical illness insurance products can be excluded from coverage.
For example, if a critical illness insurance has been completed for 6 months after thyroid cancer resection, the thyroid function is normal, and the surgical pathology report meets the requirements, then it can be excluded from coverage.
Except for this, thyroid cancer will not be compensated.
Including new, recurrent and metastasis, carcinoma-in-situ, thyroid surgery and its complications are not covered.
The other type of critical illness insurance has stricter requirements, and the pathological result is only papillary carcinoma or follicular carcinoma, and there is no distant metastasis.
The result of this exclusion is no reimbursement for treatment caused by mild thyroid cancer.
If I have cancer, what kind of insurance can I buy?
Aside from the malignant tumors that can no longer be insured, some insurance can still be purchased for the cancers mentioned above.
For example, for thyroid cancer, in addition to critical illness insurance, you can also buy recurrence medical insurance.
It is required that thyroid cancer surgery has been performed, there is no residual tumor after surgery, and there are no thyroid nodules at present.
The postoperative pathology is papillary carcinoma or follicular carcinoma, and there is no history of recurrence before insurance, and it has not been diagnosed or suspected of recurrence or tumor metastasis.
In this way, it can pass the underwriting stage and underwrite normally.
Million Medical Insurance also has the opportunity to underwrite, which can be excluded if the pathological result is only papillary carcinoma or follicular carcinoma, and there is no distant metastasis.
Some products also have the opportunity to underwrite through the manual underwriting channel.
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If you really can't pass the underwriting stage of million medical insurance, then you can choose to buy a Huimin Insurance.
Because most of the Huimin Insurance does not have health notices or is very relaxed, you can apply for cancer or other pre-existing conditions.
Some products may even reimburse medical expenses for cancer, although the reimbursement rate may be reduced.
In addition, accident insurance can also be purchased.
After all, the insurance conditions are relatively relaxed, and many products do not even have a health notification link, and cancer patients can also buy them.
Of course, it is also necessary to pay attention to whether the product has health notice, and if so, it still needs to be answered truthfully.
In general, cancer can be covered by critical illness insurance.
However, when purchasing critical illness insurance, we should also pay attention to relevant matters such as coverage, waiting periods, restrictions, and insurance expense reimbursement policies for pre-existing conditions.
In addition, it is important to keep up to date with the claims process and requirements to better protect your rights.
Try to buy a critical illness insurance policy while you are healthy to deal with the risks of critical illness, so as not to regret it when you are really sick.