Accident insurance: carriers of hepatitis B and hepatitis B virus can take out insurance if their liver function and liver ultrasound are normal at present.
Insurance of health insurance: If the customer is definitely diagnosed with chronic hepatitis B, all kinds of insurance such as critical illness insurance and cancer prevention insurance are not accepted; If the customer only finds hepatitis B virus through physical examination and screening, it needs to make a specific assessment according to the specific insurance rules, hepatitis B five items, liver function and whether there is a history of treatment.
Extended data:
Function: Insurance is bound to have risks. The purpose of establishing insurance system is to deal with the occurrence of specific dangerous accidents. Without risk, there is no insurance. In order to apply the principle of large number, commercial insurance institutions generally do not underwrite such risks.
Insurance must give economic compensation for losses caused by dangerous accidents. The so-called economic compensation means that this kind of compensation is not to restore the destroyed original things, nor to compensate the real things, but to make monetary compensation. Therefore, the losses caused by accidents must be economically calculable.
In life insurance, people's own value cannot be calculated, but people's labor can create value. Death and disability will lead to the loss of labor force, which will reduce the income and increase the expenditure of individuals or families. Therefore, life insurance is to make up for this economic increase in the form of economic compensation or payment, rather than ensuring people to recover their lost labor or lives.
Insurance must have a mutual aid relationship. The insurance system is to spread the losses to many units to reduce the losses of the affected units. Through insurance, the insured jointly pays the insurance premium, establishes the insurance compensation fund, and guarantees together.
The contribution of insurance must be reasonable. The insurance compensation fund shall be shared by the insured. In order to make everyone's burden fair and reasonable, it is necessary to calculate the contribution scientifically.
This is voluntary. The establishment of the legal relationship of commercial insurance is realized by the insured and the insurer voluntarily concluding an insurance contract on the basis of equality, mutual benefit and consensus according to the principle of autonomy of will, while social insurance is enforced by law.
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