Does thyroid disease covered by insurance include high antibodies?
Many people will find "thyroid nodules" when they go for a physical examination. This is not a disease, but it does have potential risks, because thyroid nodules may develop into thyroid cancer.
However, thyroid cancer is also called the "happy cancer" because it is a relatively easy to cure cancer. Similar thyroid diseases are also very common. Once, an Internet mutual platform repeatedly revised its compensation standards because of the high compensation rate for thyroid cancer. In the critical illness insurance reform in 2020, thyroid cancer has also been affected. So is thyroid still covered by insurance? Does insurance also cover thyroid disease?
Is thyroid included in insurance?
Insurance Common thyroid diseases, such as thyroid nodules, will not be covered, but thyroid cancer will be covered.
Before the critical illness insurance reform in 2020, thyroid cancer was compensated according to critical illness standards. However, because this type of disease is easy to cure and the treatment cost is low, after the critical illness insurance reform, thyroid cancer is still covered by insurance. Within the limit, but compensation can only be based on minor symptoms.
There is no disease coverage for thyroid in critical illness insurance, but if it develops into thyroid cancer, such as papillary thyroid cancer, the compensation will be considered as a minor disease, which is a mild cancer.
Thyroid cancer is a cancer with high incidence rate and high survival rate. People who suffer from thyroid cancer, especially papillary thyroid cancer. It can still be insured. The specific underwriting standards will depend on whether there is metastasis, whether there is recurrence and new knots after surgery.
After surgery, insurance companies require customers to undergo general examination, urine test, electrocardiogram, thyroid function, and thyroid B-ultrasound. It is very common for the results to exclude thyroid cancer.
Is thyroid still covered by insurance?
Situations:
In fact, common thyroid diseases such as thyroid nodules, hypothyroidism, thyroiditis, etc. , is neither a critical illness nor a minor illness in insurance. Thyroid cancer can be divided into critical illness and mild illness according to the grade. The actual disease and classification agreed in the critical illness insurance product contract shall prevail. Different critical illness insurance products have different definitions of diseases.
How to buy insurance if you have thyroid disease
If you have thyroid disease, we can give priority to products with relatively loose health notifications and underwriting, or you can choose accident insurance or life insurance. products.
The prevalence of thyroid nodules in our country is as high as 18.6%, the prevalence of hypothyroidism is about 6.5%, and the prevalence of hyperthyroidism is also 1.3%.
Because the risk of thyroid disease is very high, insurance companies will set corresponding insurance thresholds for patients with such diseases to purchase health insurance.
However, it is relatively simple for patients with thyroid disease to purchase accident insurance or life insurance. These products basically do not include inquiries about thyroid disease.
For those who want to know whether they can buy insurance due to their condition, you can click on the link below for consultation:
What are the techniques for health notification
We are doing health care When informing, first remember the eight-character principle: tell the truth, no questions, no answers.
Health notification is actually a list of several disease and health questions from the insurance company. If it asks about a certain disease and you happen to suffer from it, then you must answer truthfully.
If there is any concealment of information, product disputes are likely to arise when claims are settled, and claims cannot be settled smoothly, which will cause huge losses.
But if you are asked about a certain disease and you think you suspect it, but there is no diagnosis, medication, or physical examination record, we can also answer no.
If it is a part that has not been asked, we must not actively extend the answer. We only need to answer the questions asked.
Don’t worry if your own situation cannot be notified by health, we can also carry out intelligent underwriting or manual underwriting.
However, everyone should pay attention and try to choose products with relatively loose underwriting.
If you want to know more or have any questions about critical illness insurance, you can leave your contact information online on this page. Regardless of whether you are insured or not, a customer service lady will serve you for free!
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