1. Internal cause: The diseases covered by health insurance must be caused by some internal reasons in the human body, and one or more organs, tissues and systems have abnormal functions or pathological manifestations.
2. Non-congenital: the disease required by health insurance must occur for the first time within the validity period of the insurance contract.
3. Accidentality: The occurrence of diseases should be purely accidental, not what people can expect. According to the product terms.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.