Critical illness insurance is a kind of payment insurance. The way of compensation is not to reimburse medical expenses like commercial medical insurance, but to pay insurance money according to the agreement. The use of insurance money for critical illness insurance is unrestricted, and it can be used to pay medical expenses, rehabilitation expenses, living expenses, etc. Regarding the difference between critical illness insurance and medical insurance, you can read this article to make it clear: after reading these contents of medical insurance, you will know why you still need to buy critical illness insurance.
Cerebral hemorrhage is a kind of stroke, and there are sequelae of stroke among the 28 serious diseases that must be guaranteed by critical illness insurance.
However, buying critical illness insurance does not mean that you will definitely get compensation if you are diagnosed with cerebral hemorrhage, because you still have to meet the compensation standard for stroke sequelae.
According to the standard of serious illness claims, the sequela of stroke refers to the sudden change of cerebral blood vessels, which leads to cerebral blood vessel bleeding, embolism or infarction, and leads to permanent sexual dysfunction of the nervous system. Among them, permanent dysfunction of nervous system generally refers to at least one of the following disorders after diagnosis 180 days:
(1) Muscle strength of more than one limb is below Grade 2 (inclusive);
(2) The language ability is completely lost, or the chewing and swallowing function is seriously impaired;
(3) completely lost the ability to live independently, unable to independently complete three or more of the six basic daily activities.
Everyone should know that not all diseases covered by critical illness insurance are paid immediately after diagnosis, and there are many diseases for which claims are conditional. This article can tell you the details of the claim conditions of critical illness insurance: what diseases are covered by critical illness insurance? Don't buy these if you don't understand!
Many critical illness insurance also provides protection for moderate and mild diseases, which has become the standard of critical illness insurance. The sequelae of mild stroke is also one of the mild diseases that must be guaranteed in China Banking and Insurance Regulatory Commission. Therefore, if there is cerebral hemorrhage, you can also see whether it meets the compensation conditions for mild stroke sequelae agreed in the contract. If you don't know what kind of critical illness insurance to buy, take a look at this critical illness insurance policy first: a good critical illness insurance is like this! You have been cheated for so many years. ...
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