How big is the risk of additional major diseases in Taiping Gold Worry-Free whole life insurance dividends?

Taiping additional gold worry-free and serious illness insurance. Taiping Worry-Free Benefit Increase and Dividend Serious Illness is a part of Taiping Gold Worry-Free Health Protection Plan, which is called Taiping Additional Fund Worry-Free Serious Illness Insurance. Critical illness insurance refers to a commercial insurance behavior in which the insurance company pays the insurance money according to the insurance contract when some major diseases such as malignant tumor, myocardial infarction and cerebral hemorrhage occur as risks and the insured reaches the state of major diseases agreed in the insurance clauses.