Can you still pay medical insurance after a serious illness?

Yes, you can. However, if you should not attend, you will probably be given an observation period of about half a year, and the expenses incurred during the observation period will not be reimbursed.

1, yes. However, if you should not attend, you will probably be given an observation period of about half a year, and the expenses incurred during the observation period will not be reimbursed. Social security and medical insurance do not involve the physical condition of the parties, but commercial insurance will refuse to participate in the insurance regardless of the illness.

2. Commercial critical illness insurance cannot be handled, and now social security medical care has also increased liability exemption, which is more difficult.

3. Social insurance is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit; Regardless of serious illness or not, you can basically pay social security.

4. Basic and commercial insurance. At present, it is more important to insure other family members to avoid similar situations. Insurance is the most effective tool for uncertain risk transfer.

First of all, general medical insurance will have a waiting period, that is, if you are hospitalized after six months of insurance, you will be within the scope of insurance reimbursement. If you get sick within six months, you will not be reimbursed. Secondly, these six months refer to the onset time, not the hospitalization time, that is to say, if the illness is diagnosed within six months, even if it is treated after six months, it does not belong to the scope of insurance liability. By extension, we can know that if the insured goes to the hospital for treatment six months later, the insurance company will find the examination or treatment records six months ago when making claims, which is equivalent to getting sick six months ago and is not within the scope of compensation responsibility. So in general, it is not feasible to buy insurance when you are sick. If the disease record is concealed and the insurance company does not find relevant evidence, that is another matter. However, this can already be classified as insurance fraud and even financial fraud.

Legal basis:

Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.