What insurance can people who are already sick buy?

1. Buy accident insurance, annuity insurance, property insurance and other insurances that are generally unaffected by diseases and can meet the needs of accidents, funds and property protection;

2. If the insured meets the health requirements, he can participate in health insurance and life insurance. Different insurance products have different requirements and can provide sickness, medical care and death protection;

3. To insure health insurance such as medical insurance and critical illness insurance, you can choose to insure loose anti-cancer insurance and Huimin insurance.

1. Accident insurance, that is, accident insurance, hereinafter referred to as accident insurance, is an insurance with the insured's body as the subject matter and death, disability, medical expenses or temporary loss of working ability as the insurance liability. Take accidental injury as the condition of paying insurance money. Injury must be harm to human body. Prosthetics, eyes, teeth, etc. Substituting artificial devices for human functions is not a part of the natural body of the human body and cannot be used as the subject matter of insurance.

2. The injury must be caused by accident, which refers to the accident caused by external violence. Only when the three conditions of "external", "major" and "accident" are met at the same time can the insured accident of this contract be constituted. The so-called "external" means that the injury is purely caused by the external factors of the insured. For example, due to traffic accidents, accidental drowning, lightning strikes, poisonous snake bites, gas poisoning, etc. If the injury is caused by your own disease, it is not an accident; The so-called "violence" refers to the harm caused by a strong and sudden attack on the human body. If it is caused by the insured's long-term labor or sports, such as geological exploration, waist and joint injuries caused by athletes' years of sports, etc. This is not an accident; The so-called "accident" refers to an accident that the insured can't foresee and doesn't want to happen. Accidental injury insurance, the risk insured is accidental injury. Generally speaking, the definition of accidental injury in accident insurance products of insurance companies is: physical injury caused by external, unexpected and unintentional objective events as direct and separate reasons.