疲れがたまって長期入院。給料ってもらえるの？ コラム FP相談ねっと認定FP 三角 桂子 ：2020年5月30日 更新。 from fpsdn.net
What is "保険 持病 持ち"?
In Japan, "保険 持病 持ち" refers to individuals who have a pre-existing medical condition and are seeking health insurance coverage. This term has gained popularity in recent years due to the increasing number of people suffering from chronic illnesses.
Why is it important to have insurance coverage for pre-existing conditions?
Pre-existing conditions can be a major barrier to obtaining health insurance coverage. Without insurance, individuals may face significant financial burden when seeking medical treatment for their condition. Insurance coverage for pre-existing conditions can help alleviate this burden and provide peace of mind.
Types of insurance coverage for pre-existing conditions
There are two main types of insurance coverage for pre-existing conditions in Japan:
1. Specified Disease Insurance
Specified Disease Insurance (特定疾患保険) is a type of insurance that covers specific illnesses such as cancer, heart disease, and stroke. This insurance is available to anyone regardless of their age or health status.
2. Group Insurance
Group Insurance (団体保険) is a type of insurance that is offered to members of a group, such as employees of a company or members of a union. This insurance can cover pre-existing conditions and is often more affordable than individual insurance plans.
How to obtain insurance coverage for pre-existing conditions
Obtaining insurance coverage for pre-existing conditions can be a challenge, but there are several steps individuals can take to increase their chances of success:
1. Research insurance options
Researching insurance options is the first step in obtaining insurance coverage for pre-existing conditions. Individuals should compare the benefits and costs of different insurance plans to find the best option for their needs.
2. Provide accurate medical information
When applying for insurance coverage, it is important to provide accurate medical information. Failure to disclose pre-existing conditions can result in denial of coverage or cancellation of the policy.
3. Consider group insurance
As mentioned earlier, group insurance can be a more affordable option for individuals with pre-existing conditions. Consider joining a group that offers insurance coverage as a benefit.
4. Seek professional help
Finally, individuals can seek professional help from insurance brokers or financial advisors who specialize in insurance coverage for pre-existing conditions.
Conclusion
In conclusion, "保険 持病 持ち" is a term that refers to individuals with pre-existing medical conditions who are seeking insurance coverage. While obtaining coverage can be challenging, there are options available. Researching insurance options, providing accurate medical information, considering group insurance, and seeking professional help are all steps individuals can take to increase their chances of success.
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