Can I still buy insurance if I already have health problems?
Like accident insurance and annuity insurance, patients with thyroid nodules can generally be insured smoothly.
However, if you want to insure critical illness insurance, million medical insurance, etc. Patients with thyroid nodules need to analyze the situation to determine whether they can be insured. If the conditions are met, the insurance company can accept the exclusion liability.
Senior sister takes the Versailles plus critical illness insurance of Tongfang Global Life as an example. If the patient with thyroid nodules has undergone thyroid B-ultrasound examination, the diameter of thyroid nodules shown by B-ultrasound is less than 1cm, and the TI-RADS grade is no more than grade 3. In addition, the B-ultrasound report showed that there was no calcification, no blood flow signal, blood flow disorder and increased blood vessels in the nodule, the aspect ratio of the nodule was not more than 1, and the cervical lymph nodes were not enlarged. The doctor did not recommend further examination, such as puncture biopsy or specialist treatment. In this case, except for patients with thyroid nodules, if they meet the conditions, they can accept Versailles aggravated illness insurance.
Except for underwriting, that is, thyroid cancer in situ, thyroid malignant tumor, that is, its metastatic cancer and other thyroid-related diseases, insurance companies do not bear the insurance responsibility, and other diseases can be underwritten normally.
If patients with thyroid nodules want to insure related insurance products, except insurance products, it is also worth starting, which can provide patients with a certain degree of health protection.
Senior sister has prepared an article on thyroid disease insurance for everyone. You might as well have a look:
Thyroid disease conscience dry goods, teach you how to insure smoothly!
If you can't successfully insure your favorite insurance products because of thyroid nodules, you can also try to choose insurance products with looser health notification requirements such as cancer insurance or cancer medical insurance, and the chances of successful insurance will be higher!
For more information about sickness insurance, this article has a more detailed introduction:
Remember these five steps, so as to insure against illness smoothly!
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