只要过了180天的观察期后患病或身故的，都会马上给付。但是投保时要说清楚，带病投保不在理赔范围内。有某些疾病的还可能会被拒保。
zhǐyào guò le yībǎi bāshí tiān de guānchá qī hòu huànbìng huò shēngù de ，dōu huì mǎshàng jǐfù 。dànshì tóubǎo shí yào shuō qīngchu ，dàibìng tóubǎo bù zài lǐpéi fànwéi nèi 。yǒu mǒuxiē jíbìng de hái kěnéng huì bèi jùbǎo 。
As long as you've passed the 180 day observation period, you'll be able to get money immediately if you get sick or die. But when you're taking out a policy, you have to state your situation clearly. Pre-existing diseases are outside our range of coverage. There are some diseases for which coverage might be rejected.