It is reported that since February 1 day, the critical illness insurance products sold by insurance companies must conform to the new version of the specification for the definition of disease. The reporter learned from a health insurance company in Beijing that the consultation volume of the new version of critical illness insurance has increased by nearly 20% recently. One of the key points of the revision of the new regulations on critical illness insurance is to establish a classification system for major diseases.
The definition of mild disease is introduced for the first time, and the three core diseases, malignant tumor, acute myocardial infarction and stroke sequelae, are divided into two grades according to their severity. For mild cases, compensation shall be paid at a rate not exceeding 30% of the insured amount for serious illness. After paying for minor illness, you can also pay for serious illness, while the old version of critical illness insurance can only pay once.
Another focus of the revision of the new regulations on critical illness insurance is to increase the number of diseases and appropriately expand the scope of protection. The original definition of 25 kinds of serious diseases was improved, expanded to 28 kinds of serious diseases and 3 kinds of mild diseases, and three kinds of serious diseases were added, including severe chronic respiratory failure, severe Crohn's disease and severe ulcerative colitis.
Extended data:
Some differences between the old and new definitions of critical illness insurance;
1, the new definition of serious illness is richer.
In the old definition, the CIRC stipulated that each critical illness insurance must include only 25 kinds of critical illness, but the new definition expanded the types of diseases and included severe chronic respiratory failure, severe Crohn's disease and severe ulcerative conjunctivitis in the legal list of critical illness.
The new definition of critical illness insurance is more comprehensive.
2. Expand the categories of minor illnesses and limit the proportion of compensation for minor illnesses.
The new definition stipulates that there are three kinds of mild diseases that must be insured, while the old definition does not stipulate that mild diseases must be insured. In contrast, the new definition pays more attention to the protection of minor illnesses.
However, the new definition not only gives the provisions of minor illness, but also requires that the proportion of minor illness compensation for critical illness insurance products should not exceed 30%.
3. The new disease definition is more scientific and the compensation standard is more specific.
The old definition of malignant tumor is mainly through pathological diagnosis, while the new definition is histopathological diagnosis, which covers the pathological examination of bone marrow.
China Economic Net-New Insurance Rules Landing! The consultation volume of the new version of critical illness insurance soared by 20%