What should children pay attention to when insuring against common diseases?

Babies have low resistance to diseases, such as neonatal jaundice, pneumonia, premature delivery and many other childhood diseases. Many treasure moms and dads are also worried about this. Can I buy insurance when my baby is sick?

Pay attention to three aspects: premature delivery, neonatal jaundice and Kawasaki disease, which will affect children's insurance.

Next, I will talk to you about how children can take out critical illness insurance and medical insurance in spite of illness. I would like to remind parents that in the process of insuring their children, they must tell them truly and healthily.

1. Premature delivery

The conditions of critical illness insurance for premature infants are relatively relaxed, and children over 6 months or 3 years old can generally be insured normally. Because premature infants have poor resistance and are often accompanied by concurrent diseases, the probability of suffering from diseases is much higher than that of ordinary newborns. Therefore, it is difficult to apply for medical insurance smoothly, and there are few medical insurance for premature babies on the market. If necessary, you can pay attention to Xueba's claim to insure the official account of WeChat, and come to the official account of WeChat to see if you can still insure those products.

For accident insurance without health notification, it has little impact and can be insured normally. For critical illness insurance and medical insurance with strict health notification, the impact will be even greater. Want to buy accident insurance for your child? This article can be read: "10 inventory of the most worthwhile children's accident insurance! 》

2. Neonatal jaundice

There are two kinds of neonatal jaundice: physiological and pathological. Physiological jaundice generally subsides naturally within 7 days, and if it is normal after it subsides, it can basically be insured normally. If it is pathological jaundice, it is difficult to insure normally. Generally, whether it can be insured will be analyzed according to whether it is cured, whether there are complications and whether there is recurrence.

There is also a detailed disease insurance policy. Don't miss it: "Super Raiders: How to insure against diseases smoothly?" 》

3. Kawasaki disease

Because Kawasaki disease will produce a variety of complications, the incidence of cardiovascular complications is the highest. Generally speaking, a normal child after one year's hospitalization can be insured normally without endangering the cardiovascular system. If the cardiovascular system has been damaged, the situation will become difficult, and insurance companies will generally refuse insurance directly. Due to the limited space, this paper lists more insurance methods for common diseases of children. For details, click: "Can various diseases? How to insure? Must read articles! 》

Generally speaking, if the baby unfortunately suffers from these common diseases in children, it will be much more difficult to insure, and the insurance that can be bought is very limited. If necessary, you can pay attention to WeChat official account: Xueba said insurance, WeChat official account consultation, experts will analyze the child's physical condition and help buy appropriate insurance.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!