What are the 60 kinds of serious diseases of China Life Insurance Xin?
50 kinds of serious diseases
1. Malignant tumor
2. Acute myocardial infarction
3. Stroke sequelae refer to
4 major organ transplantation or hematopoietic stem cell transplantation
5. Coronary artery bypass grafting
6. End-stage renal disease (or uremia stage of chronic renal failure)
7. Multiple limb loss
8. Acute or subacute severe hepatitis
9. benign brain tumor
10. decompensated stage of chronic liver failure
Encephalitis sequela or sequelae of meningitis.
12. Deep coma
13. Deafness in both ears-claim for three years old
14. Blindness-the claim started at the age of three.
break down
16. heart valve surgery
17. Severe Alzheimer's disease
18. Severe brain injury
19. Severe Parkinson's disease
20. Severe third-degree burns
2 1. Severe primary pulmonary hypertension
22. Severe motor neuron disease
23. Loss of language ability-claims will be made at the age of three.
24. Severe aplastic anemia
25. Aortic surgery
26. Severe multiple sclerosis
27. HIV infection caused by professional relationship
28. Idiopathic chronic adrenocortical hypofunction
29. Severe coronary atherosclerotic heart disease
30. Polio
3 1. Systemic myasthenia gravis (type)
32. Severe cardiomyopathy
33. Severe Crohn's disease (Crohn's disease)
34. Severe ulcerative colitis
35. vegetative state
36. Severe 1 type diabetes mellitus
37. Systemic lupus erythematosus-(concurrent) lupus nephritis of type III or above
38. Severe dementia caused by non-Alzheimer's Harmo's disease.
39. Severe rheumatoid arthritis
40. Severe asthma-claim before the age of 25
4 1. Renal medullary cystic disease
42. Severe acute necrotizing fasciitis
43. Chronic respiratory failure end-stage lung disease
44. Pancreatic transplantation
45. Open surgery for acute necrotizing pancreatitis
46. Hematoma of aortic dissection
47. Systemic scleroderma
48. Primary sclerosing cholangitis
49. Chronic recurrent pancreatitis
50. End-stage disease (definition of end-stage disease: diagnosed by a specialist as being in the end-stage state of any disease, which cannot be alleviated by the existing medical technology, and the survival time is less than six months.
Interpretation of Ten Diseases
Specific malignant lesions or tumors refer to the following malignant lesions that have been clearly diagnosed by pathological examination and received corresponding treatment.
1. carcinoma in situ;
2. Chronic lymphoblastic leukemia equivalent to stage A of Binet staging scheme;
3. Hodgkin's disease equivalent to AnnArbor stage I;
4. Skin cancer (excluding malignant melanoma and metastatic skin cancer);
5. prostate cancer 5. T 1n0m 0≤TNM stage.
2. Atypical acute myocardial infarction refers to acute myocardial infarction that has been clinically diagnosed and treated. Although it does not meet the compensation standard for the major disease "acute myocardial infarction" referred to in this contract, it meets all the following conditions:
1. Diagnostic increase of cardiac troponin;
2. There are some traumatic ST segment changes in ECG, but no pathological Q wave appears.
3. Coronary intervention refers to the first actual implementation of coronary balloon angioplasty, coronary stent implantation or laser coronary angioplasty for the treatment of obvious coronary artery stenosis. Four, the specific sequelae of stroke refers to the sudden change of cerebral blood vessels, which causes cerebral blood vessel bleeding, embolism or infarction, and leads to permanent sexual dysfunction of the nervous system. Permanent dysfunction of nervous system means that one or more of the following disorders still exist after 80 days of diagnosis/kloc-0:
1. One or more limbs are partially disabled, and their limb muscle strength is Grade III, or less than Grade III, but it has not yet reached the payment standard for stroke sequelae;
2. Part of them have lost the ability to live independently, and cannot independently complete one or two of the six basic activities of daily life (note 1).
Five, heart valve intervention refers to the treatment of heart valve diseases, the actual implementation of non-thoracoscopic surgery, through the chest wall or percutaneous catheter intervention for heart valve replacement or repair surgery.
Sixth, the third-degree burn in a specific area refers to the degree of burn. The third-degree burn area is greater than 10% or 10% of the body surface area, but it has not yet reached 20%. The body surface area is calculated according to China's new nine-point method.
Seven, aortic interventional surgery refers to the actual implementation of percutaneous intra-arterial surgery for the treatment of aortic diseases. Aorta refers to thoracic aorta and abdominal aorta, but does not include branches of thoracic aorta and abdominal aorta.
Eight, severe pituitary adenoma, cerebral cyst, cerebral aneurysm and cerebral hemangioma refers to the brain tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET) and other imaging examination confirmed the following lesions, and actually accepted surgery or radiotherapy.
1. Pituitary tumor;
2. Brain cyst;
3. Cerebral aneurysm and cerebral hemangioma.
9. Age-specific visual impairment refers to the permanent and irreversible loss of binocular vision caused by illness or accidental injury after the insured reaches the age of 3 (Note 2). Although the compensation standard for the major disease "blindness at a specific age" referred to in this contract is not met, all the following conditions must be met:
1. The corrected visual acuity of eyes with good eyes is less than 0. 1 (international standard visual acuity chart is used, and it should be converted if other visual acuity charts are used);
2. The visual field radius of the better eye in both eyes is less than 20 degrees. When applying for claims, you must provide proof of diagnosis and examination of vision loss at the time of claims.
X. Severe craniocerebral injury refers to the damage to the important parts of the brain caused by mechanical external force, which is confirmed by imaging examinations such as head tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET). Although brain injury leads to nervous system dysfunction, it does not meet the compensation standard for severe brain injury referred to in this contract, but it must meet one of the following conditions:
1. Under general anesthesia, craniotomy has been performed to remove intracranial hematoma (except skull drilling);
2. Trauma 180 days, one or more limbs lose function, and the limb muscle strength is Grade III or below. be filled/suffused/brimming with
1. The six basic daily activities refer to:
(1) Dressing: You can dress and undress yourself;
(2) moving: moving from one room to another;
(3) Action: get on and off the bed or get on and off the wheelchair by yourself;
(4) Go to the toilet: control yourself to urinate;
(5) Eating: take food out of the prepared bowl or plate and put it in the mouth;
(6) Bathing: shower or bathe yourself.
Note 2. Permanent irreversibility: it means that after 180 days of active treatment from the date of diagnosis or accidental injury, it still cannot be recovered by existing medical means.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.