With the release of the new definition of critical illness insurance, the number of high-risk critical diseases in China Banking and Insurance Regulatory Commission has increased from 25 to 28, but there is no unified industry standard for mild diseases.
The CBRC clearly stipulates that critical illness insurance must cover 25 major diseases. The specific name of Nampa has been tabulated. Details are as follows:
25 major diseases, specific names
The 25 major diseases in the table have accounted for more than 95% of the compensation for serious diseases. Therefore, when we apply for critical illness insurance, it is not necessary to always choose the one that contains the most types of critical illness insurance. You can focus on other aspects, such as health notification and exemption clauses.
The high incidence and mild diseases listed below are the parts with high claims rate of major insurance companies in recent years:
When we buy critical illness insurance, we can refer to whether the above diseases are included.
Among them, the new definition of critical illness insurance released on June 5438+065438+1October 5, 2020 added three mild diseases, namely mild malignant tumor, mild acute myocardial infarction and mild stroke sequelae.
The new definition of critical illness insurance adds three kinds of critical illness and three kinds of mild illness. The specific diseases are as follows:
The new definition of critical illness insurance adds three kinds of critical illness and three kinds of mild illness.
As can be seen from the above figure, the new definition of critical illness insurance adds three serious diseases, namely severe chronic respiratory failure, severe Crohn's disease and severe ulcerative enteritis.
In other words, the 25 kinds of serious diseases stipulated by the CBRC have now become 28 kinds.
Mild malignant tumor, mild acute myocardial infarction and mild stroke sequelae increased in mild cases.
Whether it is a serious illness or a mild illness, the increase in the types of diseases means more comprehensive protection.
Dad's summary
To sum up, it is uncertain which diseases are specifically included in serious diseases and mild diseases, because there is no unified standard in the industry. When we choose mild illness protection, we should choose products with high incidence and mild illness as much as possible, so that the probability of compensation is higher.
Hope to adopt!