1. Malignant tumors - excluding some early stage malignant tumors
2. Acute myocardial infarction
3. Post-stroke sequelae - permanent dysfunction
4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation surgery?
5, coronary artery bypass grafting (or coronary artery bypass grafting) - the need for open-heart surgery
6, end-stage renal disease (or chronic renal failure uremia stage) - the need for dialysis treatment or implementation of the kidney transplantation surgery
7, Multiple limb loss-complete severance
8, Acute or subacute severe hepatitis
9, Benign brain tumor-needed craniotomy or radiation therapy
10, Chronic hepatic failure in the uncompensated stage-excluding those caused by alcoholism or Drug abuse
11. Sequelae of encephalitis or meningitis - permanent dysfunction
12. Profound coma - excluding alcohol or drug abuse
13. Hearing loss in both ears - permanent and irreversible (claims will be made after the age of 3 years)
14. /p>
14. Blindness - permanent and irreversible (after 3 years of age)
15. Paralysis - permanent and complete
16. Heart Valve Surgery - open heart surgery required
17. Severe Alzheimer's Disease -complete loss of autonomy
18, Severe brain injury - permanent dysfunction
19, Severe Parkinson's disease - complete loss of autonomy
20, Severe third-degree burns - at least 20% of the body surface area
20, Severe third-degree burns - up to 20% of body surface area
21, Severe primary pulmonary hypertension - with heart failure %
22, Severe motor neuron disease - complete loss of autonomy
23, Loss of speech - complete loss with active treatment for at least 12 months (three weeks of age) At least 12 months of active treatment (claimed from the age of 3 years)
24, Severe Aplastic Anemia
25, Aortic Surgery - open chest or open abdomen required
26, Severe Multiple Sclerosis
27, Occupationally Related HIV Infection
28, Idiopathic Chronic Hypoadrenalism
28, Chronic Hyperalgesia
29, Chronic Adrenocorticism
30, Chronic Hyperalgesia
31 Hypofunction
29, Severe Coronary Atherosclerotic Heart Disease
30, Polio
31, Systemic (Type) Myasthenia Gravis
32, Severe Primary Cardiomyopathy
33, Severe Crohn's Disease (Crohn's disease)
34, Severe ulcerative colitis
35, Vegetative state-excluding those caused by alcohol or drug abuse
36, Aortic coarctation
37, Systemic lupus erythematosus-(concomitant) lupus nephritis of type III or higher
38, Severe dementia not due to Alzheimer's disease
39, Severe rheumatoid arthritis
40, Chronic respiratory failure end-stage lung disease
41, Renal medullary cystic disease
42, Severe acute necrotizing fasciitis
43, Progressive supranuclear palsy
44, Pancreas transplantation
45, Clamping of ruptured cerebral aneurysm
46, Elephantiasis due to filariasis
47, Open surgery for acute necrotizing pancreatitis
48, Heart valve disease due to infective endocarditis
49, Systemic scleroderma
50, Primary sclerosing cholangitis
51, Human immunodeficiency virus infection due to transfusion of blood Human immunodeficiency virus infection caused by blood transfusion
52, Severe Creutzfeldt-Jakob disease
53, Brain surgery
54, Loss of vision in one limb and in one eye
55, Diabetes mellitus resulting in amputation of both feet
56, Myelofibrosis
57, Severe acquired or secondary alveolar protein deposition disease
58, Pulmonary lymphangioleiomyomatosis
59, Severe pulmonogenic heart disease
60, Small bowel transplantation
61, Still's disease (systemic juvenile rheumatoid arthritis)
62, Ebola virus infection
63, Erosive hyperemesis gravidarum (or malignant hyperemesis gravidarum)
64, End-stage Disease
65, Hemorrhagic dengue fever
66, Severe hemophilia A and B
67, Osteogenesis imperfecta type III
68, Heart valve disease due to rheumatic fever
69, Type 1 diabetes mellitus
70, Severe myocarditis
71, Severe epilepsy
72, Type 1 juvenile spinal muscular atrophy
73, Hepatomegaly (Wilson's disease)
74, Eisenmenger syndrome
75, Severe Kawasaki disease
76, Severe muscular dystrophy
77, Severe Reye's syndrome, also known as Lay's syndrome and Reye's syndrome<
78, Severe Intestinal Disease Complications (this coverage is only provided until the insured is 18 years of age)
79, Severe Third Degree Atrioventricular Block
80, Autologous Hematopoietic Stem Cell Transplantation
81, Severe Chronic Constrictive Pericarditis
Extended Information:
Fidelity Life Healthy and Worry-Free Critical Disease Insurance (2018 Edition) Attention:
If the Insured dies or becomes totally
disabled or is diagnosed for the first time with a Major Disease or Mild Disease as defined in the Main Insurance Contract within 90 days from the effective date of the Main Insurance Contract or within 90 days from the date of the reinstatement of the effect (inclusive of the 90th day), the Insurance Company shall not be liable for the insurance, and the premiums actually paid under the Main Insurance Contract will be refunded without any interest and the Main Insurance Contract will be terminated. This 90-day period is called the waiting period. There is no waiting period if the insured person suffers from the above circumstances due to an accidental injury (excluding sudden death).
The insurer shall not be liable for the death or total disability of the insured person caused directly or indirectly by any of the circumstances mentioned in items 1 to 7, or any of the circumstances mentioned in items 1 to 9, which results in the insured person being diagnosed as suffering from a major disease or minor disease as defined in the main insurance contract for the first time, or reaching the state of a major disease or minor disease as defined in the main insurance contract for the first time, or undergoing surgery for a major disease or a minor disease as defined in the main insurance contract for the first time. The insurance company shall not bear the insurance responsibility if the insured person intentionally causes the death, disability or disease of the insured person;
2. The insured person intentionally commits a crime or resists criminal compulsory measures taken according to the law;
3. The insured person commits suicide within 2 years from the date of establishment of the main insurance contract or the date of resumption of contractual validity, except for those who are incapable of civil behavior when committing suicide;
4. The insured person commits suicide within 2 years from the inception of this main insurance contract or the resumption of its validity, except that the insured person is incapable of civil behavior at the time of suicide;
4. Intentional self-inflicted injuries to the insured person;
5. Mental and behavioral disorders of the insured person (based on the International Statistical Classification of Diseases and Related Health Problems
(ICD-10) issued by the World Health Organization);
6. War, military conflict, riot, or armed insurrection;
7. Nuclear explosion, nuclear radiation or nuclear contamination;
8. HIV infection or AIDS of the insured person, except for "HIV infection due to occupational relationship" and item 51 "Human Immunodeficiency Virus (HIV) infection due to blood transfusion "
9. Hereditary diseases, congenital malformations, deformations or chromosomal abnormalities.
If items 1 to 2 above occur, this main insurance contract will be terminated and the insurance company will refund the cash value of this main insurance contract if the policyholder has paid the premium for more than two years. In the case of items 3 to 9 above, this main insurance contract shall be terminated and the insurance company shall refund the cash value of this main insurance contract to the policyholder.
3. We shall not be liable to pay the death or total disability insurance benefit if the insured person dies or becomes totally disabled for any reason under the following circumstances:
1. The insured person commits assault or battery, is intoxicated, or voluntarily takes or injects drugs, or uses a controlled substance without following a doctor's prescription;
2. The insured person drives under the influence of alcohol, or does not have a legally valid driver's license, or Driving a motor vehicle without a valid license.
If any of the above circumstances occurs, this main insurance contract will be terminated and the insurance company will refund the cash value of this main insurance contract to the policyholder.
Fidelity Life Official Website - Fidelity Life Healthy and Carefree Critical Disease Insurance (2018 Edition)