1. Ordinary accident insurance can still choose a suitable one. Everyone should need an accident insurance protection. The only difference is the choice of insurance amount, because although the accident is a small probability event, it is the responsibility of every individual. Unavoidable risks;

2. In this case, you need to consult the underwriting department of the insurance company to know whether you can buy life insurance and accident insurance. Insurance related to disease and medical care will definitely be covered. The insurance company refused to cover it. Because the life insurance of the insurance company is a contract based on the so-called standard body of the person's health status, your situation may be regarded as a non-standard body by the insurance company. If you can apply for insurance, the most likely possibility is to increase the rate, or Exclusions are made for risks associated with your current condition.