有病史的人能买什么险？

中文

对于有病史的人来说，选择适合自己的保险产品可能会有些困难。但这并不意味着他们就无法购买保险。在选择保险产品时，有病史的人需要注意以下几点：

首先，要了解自己的病史情况。不同的疾病对保险购买的影响是不同的。一些常见的疾病，如高血压、糖尿病等，可能会被保险公司列为除外项目，即这些疾病及其并发症不在保险赔付范围内。因此，在购买保险前，有病史的人需要清楚自己的病史情况，以便选择合适的保险产品。

其次，要选择适合自己的保险产品。对于有病史的人来说，一些传统的保险产品可能并不适合他们。因此，他们可以选择一些特定的保险产品，如防癌险、意外险等。这些产品通常对病史的要求较为宽松，或者有特定的保障范围，能够更好地满足有病史的人的保险需求。

最后，要认真阅读保险合同和条款。在购买保险时，有病史的人需要特别注意保险合同和条款中的除外条款、理赔条件等内容。如果有不明白的地方，可以向保险专业人士咨询，以免在理赔时遇到不必要的麻烦。

总之，有病史的人在选择保险产品时需要更加谨慎，但只要注意以上几点，就能找到适合自己的保险产品，为自己和家人提供更好的保障。

英文

For individuals with a pre-existing medical condition, finding the right insurance product can be challenging, but it doesn't mean they are unable to purchase insurance altogether. When selecting insurance products, here are some key considerations for those with a history of illness:

Firstly, understand your own medical history. Different diseases can have varying impacts on insurance purchase. Common conditions like hypertension and diabetes may be excluded from insurance coverage, meaning the disease and its complications won't be included in claim settlements. Therefore, it's crucial for individuals with a history of illness to be aware of their condition before selecting an insurance product that suits their needs.

Secondly, choose the right insurance product for you. Traditional insurance products may not be suitable for those with a pre-existing medical condition. Instead, they can consider specific insurance products such as cancer insurance or accident insurance. These products often have more lenient requirements regarding medical history or provide specific coverage, better catering to the insurance needs of those with a history of illness.

Lastly, carefully read the insurance contract and terms. When purchasing insurance, individuals with a pre-existing medical condition should pay close attention to the exclusions, claim settlement conditions, and other details in the insurance contract and terms. If there's any uncertainty, it's advisable to consult with insurance professionals to avoid any unnecessary hassles during the claim process.

In conclusion, while individuals with a pre-existing medical condition need to exercise caution when selecting insurance products, by following the above guidelines, they can still find suitable insurance options that provide better protection for themselves and their families.