Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it!
Therefore, carcinoma in situ is sometimes called "pre-invasive carcinoma" or "stage 0 carcinoma". Strictly speaking, it is not a real cancer at all.
Cancer is terrible, because it will metastasize, and it is difficult to completely control after metastasis, and cancer in situ does not have the characteristics of metastasis. Therefore, cancer in situ is actually a relatively mild disease, and the treatment scheme is relatively simple. Usually it can be cured by direct resection without chemotherapy, and the cost is relatively cheap. Under normal circumstances, medical insurance can be directly underwritten.
Most critical illness insurance does not cover this point because the basic starting point of critical illness insurance is to provide financial support for the treatment of serious and expensive diseases, and it must meet the standards of "three highs and one low", that is, high mortality, high incidence, high treatment cost and low cure rate. However, the cure rate of cancer in situ is high, the cost is low, and ordinary consumers can afford it, which is not within this standard. On the other hand, the definition of cancer in situ is more professional, which often leads to misunderstanding when making claims, and insurance companies are not willing to make trouble. Most domestic critical illness insurance contracts exclude cancer in situ from insurance liability. Of course, there are still some products on the market that protect cancer in situ.
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