What is a pre-existing disease?

What is a pre-existing disease:

Previous illness is the disease before the effective date of insurance
(This disease is generally incurable for a long time, such as: diabetes, nephritis, hypertension, allergies, etc.).

How to define a pre-existing disease:

1 because this disease has been seen by doctors

2 had a feeling but didn't see a doctor. (The doctor usually asks the patient: the first time the feeling is at when, the insurance company is also from this to judge is not the past disease)

Join the new insurance company, the past disease how to do:

Insurance companies have a choice of pre-existing conditions:

1 refusal to protect (feel too much risk)

2) Underwriting, but with excepted liability. (for example, if a person has high blood pressure, the insurance company will not only treat the disease except hypertension, but also any problems related to heart and blood vessels)

3 Underwriting also has the exception liability, but gives certain safeguard. (such as high blood pressure, but every year about hypertension can be reported 5000 yuan)

4) Underwriting but adding premium.

5) Underwriting.

The insurance company will make the final underwriting according to the number of the group, the premium and the severity of the symptom itself.

What is the underwriting clause:

Full medical UNDERWRITER insurance clause

-this clause is the insurer shall not reimburse the insured for pre-existing diseases prior to the insured.

MORI insurance Clause

-this clause is a 24-month waiting period for the insurer to compensate the insured for pre-existing diseases. That is, the disease does not recur within two years after the entry into force of the insurance, and the insurer will pay for the disease after the second year.

CMPE insurance Clause

-the clause stipulates that the insured person enjoys the same coverage as the previous insurance coverage, that is, the insured has the same coverage as the previous insurance, so that the past medical records are not relevant to the current emergency situation to be dealt with. The last policy payment, the insurance policy is also paid, the last policy does not pay the disease, this policy is not compensable.

MHD insurance Clause

-this clause refers to the insurer's total disregard for the medical history of the insured before the insured, and the insured person's previous illness is all compensable.