It is said that it is more difficult for hepatitis B patients to buy insurance than ordinary people, but it is not difficult to buy it after mastering the tricks. Don't be afraid to try to buy it because of this.
It's not just hepatitis B. Recently, I have received many questions from my friends asking if I can insure against other diseases. In this article, Senior Sister will answer them one by one:
Super Raiders: Can all kinds of diseases be insured? How to insure? 》
There are shortcuts for hepatitis B carriers to insure. In today's article, Xue Xuejie will share with friends who carry hepatitis B how to insure correctly!
First, the basic concept and classification of hepatitis B. In fact, it is easy to buy commercial insurance when you get hepatitis B. There are many specific types of hepatitis B, and then you can comprehensively judge how to insure according to your health status.
1. What is "hepatitis B"?
Generally speaking, there are four types of hepatitis B: big and small, three positive, hepatitis B carriers and hepatitis B patients.
Judge health status
Although the names are similar, hepatitis B virus carriers and hepatitis B are worlds apart! The physical and pathological conditions are completely different, and the results of insurance are different. Whether you are a patient or a carrier, you'd better check it out before taking out insurance.
& gt& gt To judge whether it is hepatitis means that liver cells are destroyed, causing liver inflammation and abnormal liver function. In medicine, it is generally judged whether it is hepatitis by five indexes of liver function:
Because hepatitis is likely to progress to liver cancer, many commercial insurances have a high threshold for hepatitis. If hepatitis patients are unfortunately diagnosed, it is difficult to re-insure.
& gt& gt Non-hepatitis, judging the carrying status of hepatitis B virus refers to being infected with hepatitis B virus, but the liver function is normal. Broadly speaking, hepatitis B virus carriers can be divided into three situations: only hepatitis B virus carriers, small three-positive hepatitis B virus and large three-positive hepatitis B virus. Specific inspection and judgment indicators are as follows:
Only hepatitis B virus carriers show that they have been infected with hepatitis B virus, but it has little effect on the body; Small sanyang of hepatitis B indicates that the virus grows slowly, and its infectivity is weak at this time; Hepatitis B, big three-positive, shows that the virus increases rapidly and is highly contagious.
But don't worry, in fact, most insurance is not difficult for virus carriers, so hepatitis B virus carriers still have many choices. However, patients with large, small and three yang will still be restricted. If they are attacked by hepatitis B virus, their liver will be damaged, and their liver function indexes will be abnormal, which will become "hepatitis B".
2. What commercial insurance can hepatitis B carriers buy?
It is easy to fail to pass the insurance policy because of underwriting problems. Health notification is necessary for our underwriting. The health bulletin will check three indicators of liver condition: hepatitis B virus carriers, cirrhosis and hepatitis.
Of course, whether the illness is serious is also a category that everyone considers. Different degrees make different situations.
For patients with hepatitis B, the difficulty of insurance is accident insurance.