Why does critical illness insurance not cover cancer in situ?

The reason why the critical illness insurance does not include cancer in situ is that although the incidence of cancer in situ is high, the treatment cost is extremely low, and it is easy to be cured as long as it is treated in time, so it will be excluded from the coverage by general critical illness insurance products.

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That is to say, carcinoma in situ refers to epithelial malignant tumor confined to skin or mucosa, which has not destroyed basement membrane, invaded dermal tissue, nor infiltrated or metastasized to a distant place. Therefore, cancer in situ is sometimes called "pre-invasive cancer" or "stage 0 cancer", which is the earliest cancer, but strictly speaking, it is not a real cancer at all.

Therefore, in the stage of carcinoma in situ, cancer cells did not metastasize and spread to body tissues. If you want to remove it, you can generally remove it directly, even without chemotherapy, such as common skin cancer in situ, cervical cancer, gastric cancer in situ and rectal cancer in situ. As long as the treatment is timely, it is easy to recover.

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