1, malignant tumor, acute myocardial infarction, stroke sequelae, major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation is required.
2. It is beneficial to insure against major diseases. There is a simple reason. The more diseases are covered, the higher the premium will naturally be, and the incidence of many diseases can be ignored. Therefore, the main consideration for purchasing critical illness insurance is that diseases with high incidence must be included. If economic conditions permit, small probability diseases can be included according to their own judgment.
3. China Life Insurance critical illness insurance Compensation Procedure: In general, you need to provide: the diagnosis certificate of the hospital, the invoice issued by the hospital, the summary of hospitalization and discharge, the original of your insurance policy and the original of your ID card. Generally, you can't receive cash directly now, bring the relevant bank account number, and the claim will be sent to your card within 3 to 5 working days after the claim is passed.
Extended data:
The role of critical illness insurance:
Critical illness insurance, in short, is disease insurance with illness as the condition of paying insurance money. That is, as long as the insured suffers from a certain disease listed in the insurance clause, regardless of whether or not medical expenses occur or how much expenses occur, he can get the fixed compensation from the insurance company.
The "critical illness" guaranteed by critical illness insurance usually has the following three basic characteristics:
First, "serious illness" will seriously affect the normal work and life of patients and their families for a long time;
Second, "the cost of treatment is huge". Such diseases need to be treated with more complicated drugs or surgery, and expensive medical expenses need to be paid.
Third, it is not easy to cure for a long time, or even permanently.
The insurance premium paid by critical illness insurance mainly has two purposes:
One is to pay high medical expenses for the insured due to illness, disease state or surgical treatment;
The second is to provide financial security for the insured after illness, and try to avoid the insured family from falling into financial difficulties.
Baidu encyclopedia-critical illness insurance