The first category is malignant tumor, which basically contains most cancers.
There are also common serious diseases such as cerebrovascular disease and heart disease.
And some disabilities \ systemic burns as high as 20% are serious diseases.
For the other seven categories or 10 categories, the insurance coverage of each insurance company is different.
However, 32 kinds of serious diseases include more than 200 kinds of clinical serious diseases, which can basically help people in
You can get an emergency medical fund in case you get sick.
If you buy health insurance, you must attach hospitalization, because some diseases can't meet the serious illness conditions in the contract.
Hospitalization, whether accidental injury or illness, can be reported as long as it is hospitalization.
The products of Xinhua Life Insurance are completely included in the 25 major diseases in the Standard for the Definition and Use of Diseases in critical illness insurance formulated by insurance association of china. (Among them, the first six types are required for all adult critical illness insurance, and the latter 19 types are optional, and children's critical illness insurance is not subject to this restriction).
The 25 major diseases include:
1 malignant tumor-exclude some early malignant tumors.
2 Acute myocardial infarction
3 sequelae of stroke-permanent sexual dysfunction
4 major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
Coronary artery bypass grafting (or coronary artery bypass grafting)-requires thoracotomy.
6 End-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation is needed.
Loss of more than 7 limbs-complete amputation
8. Acute or subacute severe hepatitis
9 Benign brain tumor-requires craniotomy or radiotherapy.
10 decompensated period of chronic liver failure-excluding alcoholism or drug abuse.
1 1 encephalitis sequela or sequelae of meningitis-permanent sexual dysfunction.
12 deep coma-excluding alcoholism or drug abuse.
13 Deafness in both ears-permanent irreversibility Note: If the insurance company only undertakes the protection responsibility of the insured after a certain age, it must be indicated in the subtitle.
14 blindness-permanent irreversibility note: if the insurance company only undertakes the protection responsibility of the insured after a certain age, it must be indicated in the subtitle.
15 paralysis-permanent complete paralysis
16 heart valve surgery-requires thoracotomy
17 severe Alzheimer's disease-total loss of independent living ability Note: If the insurance company only undertakes the guarantee responsibility of the insured before a certain age, it must be indicated in the subtitle.
18 severe brain injury-permanent sexual dysfunction
19 severe Parkinson's disease-total loss of independent living ability Note: If the insurance company only undertakes the guarantee responsibility of the insured before a certain age, it must be indicated in the subtitle.
Severe third-degree burns-at least 20% of body surface area.
2 1 severe primary pulmonary hypertension with heart failure.
22 Severe motor neuron disease-complete loss of independent living ability Note: If the insurance company only undertakes the guarantee responsibility of the insured before a certain age, it must be indicated in the subtitle.
23 Loss of language ability-complete loss and active treatment for at least 12 months Note: If the insurance company only undertakes the guarantee responsibility of the insured after a certain age, it must be indicated in the subtitle.
24 Severe aplastic anemia
Aortic surgery-requires thoracotomy or laparotomy.
In addition to these 25 major diseases, Xinhua's different types of insurance also include different types.
For example, longevity and well-being (happiness as the East China Sea+additional well-being for paying critical illness insurance in advance) includes 35 major diseases (other 10 major diseases are: severe multiple sclerosis, professional behavior of medical staff infected with HIV or AIDS, acute necrotizing pancreatitis, muscular dystrophy, systemic lupus erythematosus nephritis, end-stage lung disease, type I diabetes, severe Kawasaki disease, severe rheumatoid arthritis and severe Crohn's disease).
Fu Jia Ankang (Happy as Donghai +09 critical illness insurance) includes 34 major diseases (the other 9 major diseases are: severe multiple sclerosis, medical staff infected with HIV or suffering from AIDS, acute necrotizing pancreatitis, muscular dystrophy, systemic lupus nephritis, end-stage lung disease, type I diabetes, Kawasaki disease (accompanied by coronary artery tumor) and malignant mole).
Additional 08 critical illness insurance, Health Fuxing Zeng lifelong critical illness insurance covers 32 major diseases (the other seven major diseases are: severe multiple sclerosis, professional behavior of medical staff infected with HIV or AIDS, acute necrotizing pancreatitis, muscular dystrophy, systemic lupus nephritis, end-stage lung disease and type I diabetes).
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.