Insurance companies are very cautious about underwriting for people with diabetes, and in general, there are several underwriting results:
Policyholders belong to the pre-diabetic period, there is no liver damage or complications, and there are no risk factors, life insurance and critical illness insurance may be underwritten by an additional fee;
Once a policyholder has been diagnosed as a diabetic, he or she is basically not able to buy medical and critical illness insurance;
Pregnant diabetes is a serious problem, and it is not a problem for people with diabetes.
Pregnant diabetics, if their blood sugar returns to normal after giving birth, can be covered by critical illness insurance according to the standard body.
The insurance company will generally take the following four approaches to deal with the illnesses involved in the health notification:
1, increase the fee to underwrite: Compared with the standard insurance, pay a little bit more premium, enjoy the same protection;
2, exclusion of
3. Extended coverage: The insurance company observes the insured for a period of time and reassesses the situation based on health and risk;
4.
Do not cover the insured with a certain type of disease.
A complete protection program is generally long like this: medical insurance + accident insurance + life insurance + critical illness insurance. However, the threshold for insuring diabetics is relatively high, and not every type of insurance has the right product to pass the informational review.
The following is a description of the types of insurance that can be purchased by diabetics:
1, accident insurance
Accident insurance is mainly to protect against accidental death or total disability, and there is generally no requirement for health notification, so the majority of people can buy it.
2, medical insurance
Market, the diabetic population can through the health of the medical insurance is rare.
ZhongAn AnSheng eSheng medical insurance (diabetes hypertension exclusive) allows people with type 2 diabetes to insure, 30-year-old male, annual premium 386 yuan. The coverage is 500,000 for inpatient medical insurance liability plus 50,000 for special outpatient medical insurance liability.
But its health notification is relatively strict, only relatively mild type 2 diabetics can pass the health notification:
And it should be noted that if you suffer from both diabetes and high blood pressure can not be insured secure e life.
3, cancer medical insurance (reimbursement)
Cancer medical insurance is characterized by only cover cancer, health notification is relaxed, diabetic people can be insured. Cancer medical insurance is very cost-effective, 30-year-old male annual premium of about 200 dollars, you can get 2 million cancer treatment coverage, 0 deductible.
Contrasted with ZhongAn AnSheng eSheng medical insurance, anti-cancer medical insurance only protects against cancer, the coverage is not comprehensive enough, but the coverage for cancer is high, which is not a bad choice.
4, cancer insurance (payable)
The incidence of cancer accounts for about 70% of all serious illnesses, and the people who can't get through the health notification of the serious illness insurance, cancer insurance can be a good substitute.
Similar to the characteristics of cancer medical insurance, cancer insurance also covers only cancer, with lenient health notification. The difference is that cancer insurance is a payout type, and once you get cancer, you can get a large amount of compensation from the insurance company, which can be used to compensate for the recovery costs after the disease has healed.
5, tax-advantaged health insurance
This is a policy product specifically for taxpayers, can be insured with the disease, there is no waiting period, it is essentially a one-year medical consumer insurance + universal insurance.
An unretired person aged 16 or older can take out a policy if he or she provides proof of tax payment for at least one year. You pay a fixed annual contribution of $2400, part of which is used to pay for medical insurance, and the rest is accumulated in a personal account to save money.
Currently, the promotion of tax-advantaged health insurance is not ideal, and most of them can only be insured through the group, which is more troublesome to operate. If you want to take out an insurance policy, you can try to call your insurance company's customer service and ask for a way to buy it.
6, diabetes specific disease insurance
Because of the large number of diabetics, the market has launched the insurance products belonging to the diabetics, to protect the complications caused by diabetes.
Most of the products do not have a high sum assured and the coverage period is short, it is not very recommended to buy such products as the lower sum assured does not give good protection to the consumers. Milkman searched the market for exclusive insurance products for diabetics:
ZongAn Insurance Diabetes Complications Coverage
China Taipao Daitou Insurance
Peace of Mind Health Sugar Control Insurance
Kunlun Health Diabetic Complications and Diseases Insurance
The most cost-effective: Kunlun Health Diabetic Complications and Diseases Insurance. In addition to several common complications, but also additional coverage for acute myocardial infarction and five mild complications, 30-year-old male, 50,000 coverage, the cost of a year's payment is 230 yuan. Compared to other products coverage is more comprehensive and the price is consumer friendly.
Teenagers can be insured: Zhong An Insurance Diabetes Complications Coverage. While several other products have an enrollment age of 30 or older, Zong Insurance Diabetes Complications accepts people with diabetes under the age of 30.
Pursuing high coverage: The maximum coverage for Kunlun Health Diabetes Complications Disease Insurance is $500,000 dollars. If you need higher coverage, you can choose this product.
For those who need long-term protection, you can take a look at a few long-term products on the market: Taikang Life Sweet Life A, China Taiping Sweet Honey, China Merchants Sino Sugar Worry-free Diabetes Insurance, and Kunlun Health Diabetic People's Lifelong Disease Insurance (A).
SummaryInsurance is a protection tool and does not solve the fundamental problems for diabetics.
To fight against diabetes, the key is still to rely on ourselves, follow the doctor's instructions, learn more about the basics of diabetes and diabetes prevention and treatment methods: on the basis of medication, through good dietary habits to control blood glucose; appropriate exercise and exercise, to maintain fitness, to avoid obesity; and that is to look at everything more openly, to maintain cheerful, open-minded, optimistic state of mind.
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