You need to tell the truth when you are insured against illness.
First of all, what is hepatitis B
In health notification, we usually see these keywords: hepatitis, hepatitis virus hepatitis history or carrying history, hepatitis B big three positive, hepatitis B small three positive, chronic hepatitis, HBV-DNA detection and so on.
HBV-DNA is the most direct indicator of hepatitis B virus infection, and HBV is the abbreviation of hepatitis B virus. The positive results show that hepatitis B virus is replicable and contagious, and the higher the value, the more serious the virus replication. HBV-DNA can find hidden hepatitis B virus, which is very powerful.
Hepatitis B patients can also buy insurance, but different products have different underwriting requirements.
Second, people who want to insure diseases need to pay attention to the following points if they want to insure successfully:
1. Be sure to choose products with loose health information: in the case of poor health, choose products with loose health information and products with the best underwriting effect on your physical condition to protect yourself to the greatest extent.
2. Choose products that support smart underwriting: Smart underwriting can be supplemented by questionnaires reserved by insurance companies. It doesn't matter even if it is rejected. There is no rejection record and it will not affect other products.
3. Choose products that can be insured manually: the online underwriting function is still relatively mechanical. If it doesn't meet the requirements, there is no way to pass. There are not many products that support online manual insurance. Therefore, if the physical condition is very complicated, it is recommended to choose offline manual underwriting, and the underwriting effect may be better.
Conclusion: It is relatively difficult to insure hepatitis B patients, but there are still insurable insurance products on the market at present.