What are the restrictions and exclusions of the male elderly maternity insurance?

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Limitation and Exclusion of Diseases in Male Maternity Insurance for the Elderly

With the progress of society and the improvement of people's living standards, men in their old age also hope to have their own children. In order to meet this demand, some insurance companies have launched maternity insurance for older men. However, there are also some restrictions and exclusions of diseases in the male elderly maternity insurance.

Limit 1: Age limit

There is usually an age limit for the male elderly maternity insurance. The insurance company requires the applicant to purchase the insurance within a specific age range. This is because with the growth of age, male fertility gradually declines, and is affected by various physiological and psychological factors.

Take the male elderly maternity insurance of a well-known insurance company as an example. They require the insured to be between 40 and 55 years old. Men beyond this age range will not be able to purchase the insurance. This is to avoid children's health problems and related insurance compensation risks due to their age.

Limitation 2: physical condition limitation

In addition to the age limit, the male elderly maternity insurance also has certain requirements on the physical conditions of the applicant. Insurance companies usually require applicants to have a comprehensive physical examination to ensure that they are in good health and have normal fertility.

For example, in the old men's birth insurance cooperated by a famous hospital, the applicant needs to carry out semen analysis, hormone testing and reproductive system inspection. If there are abnormalities in the examination, such as the quantity or quality of sperm does not meet the standards, or suffers from reproductive system diseases, the insurance company will have the right to refuse the applicant's application.

Exclusion 1: genetic diseases

Maternity insurance for older men usually excludes some potential genetic diseases. This is due to the consideration of risk management of insurance companies. Some diseases may be inherited in men or relatives, which will bring potential health problems to children.

Some common genetic diseases, such as hereditary heart disease, hereditary diabetes, hereditary muscular dystrophy, etc., are usually excluded by insurance companies. If these diseases occur in the insured person or his family, the insurance company may refuse to pay.

Exclusion II: major diseases

In addition to genetic diseases, the male elderly maternity insurance will also exclude some major diseases that the insured suffers from. These diseases usually include heart disease, lung disease, liver disease, kidney disease, cancer, etc.

Some insurance companies require the applicant to provide a detailed physical health report, requiring the applicant to carry out a comprehensive physical examination to exclude the possibility of suffering from these diseases. If the insured is diagnosed with these diseases, the insurance company may refuse to take insurance or explicitly exclude the relevant liability in the insurance contract.

summary

The limitation and exclusion of male elderly maternity insurance mainly include age limitation, physical condition limitation, genetic disease and major disease. When designing insurance products, insurance companies usually take these factors into consideration to reduce the risk of insurance compensation and protect the interests of insurance companies. Therefore, the applicant needs to know the specific restrictions and exclusions of diseases before purchasing the male elderly maternity insurance, and make corresponding preparations.