What insurance should hepatitis B patients buy?

Hello! Patients with hepatitis B can consider social security. As for commercial insurance, it needs to be truthfully informed, but generally speaking, accident insurance and endowment insurance can be considered, and health insurance needs to be approved by insurance companies. Specifically,

1, consider social security first. At present, patients with hepatitis B can join social security, and there is no need for physical examination for social security. However, social security can reimburse the conventional drugs for treating hepatitis B, and those that do not belong to the conventional drugs will not be reimbursed.

2. Accident insurance. Accidents are everywhere, and patients with hepatitis B can also handle an accident insurance for themselves.

3. Health insurance. Hepatitis B virus carriers will definitely be different from healthy people when they are insured. Insurance companies will consider whether they can be insured according to various factors such as checking whether hepatitis B virus replication is active and whether liver function is normal. Generally speaking, according to the underwriting results, insurance companies have five ways to deal with it: consider risks within the normal range and underwrite at the standard rate; Think that the risk is higher than normal and ask for additional insurance; The risk is unacceptable, but the scope is limited, except for the agreed responsibilities; Considering that the nature of the risk is unknown, it is agreed to observe for a period of time and postpone the underwriting; Think the risk is too great and refuse to underwrite.

4. Endowment insurance. Although there may be restrictions for patients with hepatitis B to apply for health insurance, old-age insurance can be applied and will provide protection for your future old-age life.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.