最近、糖尿病で通院しているが入れる保険はあるのか？
テレビで病気でも入れる保険があるとコマーシャルしているが、そんな保険はあるのか？
などなど、病気で通院中の方から病気でも入れいる医療保険のご相談が増えています。
病気や通院中でも入れる医療保険・生命保険はあるのでしょう？
実は最近のこのジャンルは各生命保険会社がこぞって新製品をだしてきております。なので、病気であっても生命保険は入れます。加入できます。当然 病気の状態で保険に入るわけですので通常の健康のかたより保険料は割高になります。
さらに通常入院日額１０，０００円で契約すると、その約束が実行されるのは契約後１年目以降からとなります。つまり、最初は入院しても５，０００円の給付となります、もちろん手術も同じ 、半分が給付されます。
しかし、今現在、病気を抱えている方は、もし加入可能であるならば是非、生命保険・医療保険には、はいられたほうがいいともいます。
病気や通院中でも入れる生命保険のことを【緩和型医療保険 緩和型生命保険】といいます、覚えておいてくださいね。
では、どこの？ どんな？ 緩和型医療保険がいいのでしょうか？
どこが いい というより、どこがあなたの今の病気の状態と一番合うか。
あなたの病気の状態であるならどこが選択可能か？ということになると思います。
病気でも入ることができる医療保険でも、Ａ社は加入できるがＢ社はあなたの病気の症状でははいれない、という可能性も
大いにあります。
Ａ社の告知文章を見てください。若干正式の告知文章とは変えて表現します。
正式に、病気でもはいれる生命保険・医療保険を検討される際は正式の告知文章をご確認ください。
１）最近３ヶ月以内に 医者から入院・手術をすすめられたか？
２）過去１年以内に病気やケガで入院か手術をしたか？
３）過去５年以内にがんか肝硬変で入院・手術をしていないか？
以上Ａ社は３つの告知に該当しなければ、あなたが今現在、病気の状態でも
通院して投薬中であっても、この医療保険にはいることができます。
もうひとつ、病気でも入れる医療保険の特徴に年齢制限があります。
ちなみに、Ａ社は ３０才から８５才までのかたであれば、
例えば １）から３）に当てはまらなければ、今現在糖尿病で、薬を飲んでいて、通院していても
つまり、病気であってもこの医療保険にははいることができます。
ご質問お問い合わせはお気軽に保険相談名古屋（株式会社ワンストップ）林まで！
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