1) Malignant tumor-exclude some early malignant tumors.
2) Acute myocardial infarction
3) sequelae of stroke-permanent sexual dysfunction
4) major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation is required.
5) Coronary artery bypass grafting (or coronary artery bypass grafting)-thoracotomy is required.
6) End-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation is needed.
7) Multiple limb loss-complete amputation
8) Acute or subacute severe hepatitis
9) Benign brain tumor-requires craniotomy or radiotherapy.
10) decompensated period of chronic liver failure-excluding the causes of alcoholism or drug abuse.
1 1) encephalitis sequela or sequelae of meningitis-permanent sexual dysfunction.
12) deep coma-excluding alcoholism or drug abuse.
13) Deafness in both ears-permanent irreversibility
14) blindness-permanent irreversibility
Paralysis-permanent complete paralysis
16) heart valve surgery-requires thoracotomy.
17) Severe Alzheimer's disease-complete loss of independent living ability.
Severe brain injury-permanent sexual dysfunction.
19) severe Parkinson's disease-complete loss of independent living ability.
20) Severe third-degree burns-at least 20% of body surface area.
2 1) Severe primary pulmonary hypertension with heart failure.
22) Severe motor neuron disease-complete loss of autonomous living ability
23) Loss of language ability-complete loss and active treatment for at least 12 months.
24) Severe aplastic anemia
25) Aortic surgery-requires thoracotomy or laparotomy.
Second, what is not covered by medical insurance for serious illness?
1、? Being hospitalized in a non-designated hospital without approval (except for emergency rescue); ?
2. Recurrence due to occupational diseases, work-related injuries or work-related injuries; ?
3. Injuries caused by traffic accidents; ?
4. Damage caused by violation of national laws and regulations; ?
5. Food poisoning caused by accidents; ?
6. Being treated for suicide (except psychotic episode); ?
7. Injuries caused by medical accidents; ?
8, according to the provisions of the state and the city should be paid by my medical expenses.
Extended data:
Critical illness insurance was invented in South Africa in 1983. The surgeon Marius Barnard first came up with the idea of this product. His brother, Christine Barnard, was the first doctor in the world to successfully perform a heart transplant.
Dr. Marius found that after heart transplantation, some patients and their families had financial difficulties and could not maintain the follow-up rehabilitation treatment. In order to reduce the financial pressure of the insured in case of serious illness or major surgery, he cooperated with an insurance company in South Africa to develop critical illness insurance.
References:
Baidu encyclopedia of critical illness insurance