Can I still buy insurance if I have cancer? There will just be restrictions, such as critical illness insurance, medical insurance,Cancer insurance accident insurance and so on are not necessarily available. What should I do if I have cancer when I didn't have insurance awareness before, or before I had the chance to allocate insurance? Can you buy insurance if you have cancer? Don't worry, the following small talk.

First, can you buy insurance if you have cancer?

1. Basic social security: including social security for urban and rural residents, social security for urban workers, and social security for flexible employment, all of which belong to the national welfare insurance protection, and have not made any restriction on the physical health of the insured, so even if they have cancer, they can still buy it;

2. Universal supplemental medical insurance: Most of them can be bought as long as they have local medical insurance, and there is no restriction on age, occupation, household registration, physical health, and no need for medical checkups, so cancer patients can also buy them;

3. Tax-advantaged health insurance: there is no requirement for the health of the insured,Term Life Insurance as long as the insured is over 16 years old and has not reached the statutory retirement age, and still pays taxes, then even cancer patients can also be insured;

4. Financial insurance: limited to financial insurance that does not involve death and health protection, which generally has lower requirements on the insured's physical health, so cancer patients can also buy.

Besides, if cancer patients want to take out health insurance such as critical illness insurance, they may not be able to do so:

1. Accident insurance: Most of them do not require health notification, so cancer patients can buy them. However, if the accident insurance requires health notification, then although it is more lenient, it will usually refuse to insure patients with malignant tumors, which means that cancer patients cannot buy it;

2. Critical illness insurance: most of the cancer patients are unable to insure critical illness insurance, however, if it is thyroid cancer, early breast cancer, prostate cancer, then the patient can try to insure it after 5 years of healing, and the health notification of the more lenient critical illness insurance can be excluded from the coverage in general;

3. Annuity insurance: belonging to financial insurance, some do not require health notification, so cancer patients can consider taking out insurance. If the annuity insurance requires health notification, it usually refuses to insure against malignant tumors, which means that cancer patients cannot buy it;

4. Life insurance: health notification is more lenient, although the malignant tumor patients will refuse to insure, but if it is thyroid cancer, early breast cancer, prostate cancer patients, post-operative recovery has been more than 5 years, then life insurance can generally be underwritten at an additional cost.

Second, can I buy insurance for cancer?

Of course, cancer can be insured, social insurance does not have any restriction on this, while commercial insurance needs to be based on the type of insurance.

Social insurance, needless to say, has no age limit, no occupational limit and no health condition limit, so anyone can be insured. As for commercial insurance, most of the cancer patients can't be insured in the types of insurance that require strict health notification such as critical illness insurance, multi-million dollar medical insurance, life insurance, etc., while there are possibilities for cancer patients to be insured in the accident insurance and financial insurance that don't have any requirements on diseases. Therefore, we must take out insurance before it's too late, don't wait until you can't buy insurance but need it.

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