I've had tumor surgery or cancer treatment.
Introduction
Have you ever had a tumor surgery or been treated for cancer? Can you still get a new version of health insurance? The good news is, "There is still a chance." But to be honest, the insurance company has a much more detailed and concise consideration of the common disease. These are 4 important things you need to know and prepare before applying for, so as not to waste time and understand the conditions correctly.
Content
📌 1. Must have a "disease-free period" (Follow-up Period)
Insurers are not considered immediately after treatment. Generally for necrosis or cancer, they must wait at least 3-5 years or more (depending on the type and stage of the disease) for a doctor to clearly identify the treatment as "cured" and no recurrence.
📌 2. "Normal tumor" and "necrosis." The results were different.
Benign Tumor: If the surgery is cured, the likelihood of normal coverage pass is very high (there may be only a slight additional waiting distance).
Necrosis / Cancer (Malignant): The company will consider delving into the stage of the disease, what organs it is, and how to treat it; the likelihood of being postponed is guaranteed or an exception is much higher.
📌 3. Prepare yourself for the "exception to coverage" condition.
This is a reality that requires acceptance in advance. Even if you have cured cancer for many years, when you take out a new health insurance package, the company usually has the condition "Except for Guarantee of Diseases Related to that Part of the Organ," including complications and potential progression, to limit the company's risk.
📌 4. Complete the "History of Treatment and Meat Pieces"
Don't use just quotes. You need to prepare a complete medical document including: History of Treatment from the Beginning, Methods of Treatment (Surgery, Chemo, Radiation), Pathology Report, and the latest Follow-up from the hospital. Attach with the application. The more clear the doctor's information, the easier it will be to decide.
Conclusion
In conclusion, the history of tumors or cancers is not always an impasse. The key is "to wait to be cured" and "100% truth statement" with documentation. Although the new policy may not protect the same disease or the same organ, it also protects other serious illnesses or unforeseen accidents. Having a new health insurance on it will give peace of mind to your long-term value and savings.
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