Why buy critical illness

1, the chance of serious illness is too high: now the pollution of the society is too serious, the environment in which people live is getting worse and worse, the problem of food safety is excessively serious, coupled with the fast pace of life, high pressure, poor habits, genetic and other factors, the incidence of serious illness is getting higher and higher. In fact, as long as people live there will be health problems, now a person's lifetime incidence of serious illness is 72.18%, people to the end of the almost always have to occur serious illness, only some people have an accident in advance, since it is bound to happen, why not prepare in advance?

2, the occurrence of serious illnesses tend to be younger: in recent years, cardiovascular and cerebrovascular diseases, oncological diseases, cervical spine disease and other "diseases of the elderly" are increasingly younger, young people's bad habits are the important factors that lead to this problem, in addition, due to the work of the pressure, intense competition, etc., also makes a lot of white-collar workers appeared in a serious psychological problems. Psychological problems, long-term psychological problems and overwork, and ultimately lead to physical lesions, and triggered a series of health problems.

The 20-year-old young man suffering from cardiovascular disease is not rare : "In the 1990s, more than 20 years of age to get cardiovascular disease is rare, and now young people get myocardial infarction is a relatively common thing." Zibo City Center Hospital cardiovascular expert Liu Xiqiang said that bad habits are the main cause of cardiovascular disease. Liu Xiqiang said, usually young people work under pressure, often stay up late, a lot of smoking and other habits, it is easy to cause blood pressure rise, aggravate the heart load followed by left ventricular hypertrophy, enlargement, the formation of hypertensive heart disease, cerebral thrombosis. The company's main goal is to provide the best possible service to its customers, and the company's goal is to provide the best possible service to its customers, and to provide the best possible service to its customers, and to provide the best possible service to its customers.

The trend of tumor rejuvenation is obvious 18 years old with lung cancer: According to Zibo Central Hospital oncology attending physician Zhai Yi introduction, usually the high incidence of cancer in the population is in the age of 50 years old, and from the point of view of the current patients, a lot of 20-40 years old or so of patients, including gastric cancer, osteosarcoma, leukemia, lymphoma and other incidence of more, and 18 years old with lung cancer. "Nowadays, young people work under great pressure, and they do not move all night to work overtime or socialize with clients, and there is no regularity in their life and diet." Zhai Yi said that bad habits such as heavy smoking, drinking or frequent physical exertion are the main causes of tumor diseases.

White-collar workers predominate among patients with cervical spondylosis: "Cervical spondylosis has become an occupational disease of white-collar workers." According to Zibo City, the seventh people's hospital orthopedic attending physician Chen Xinliang introduction, cervical spine disease belongs to a kind of degenerative lesions, with the age of the cervical spine of the aging of the more obvious. Now many young patients because of work factors, in the operation of the computer or documents for a long time to repeat a sitting position, easy to cause muscle strain, accelerate the degeneration of the cervical spine, which in turn triggered cervical spine disease. Cervical spondylosis is difficult to cure once it develops, and patients often experience symptoms such as dizziness, scalp numbness, hand numbness, and neck and shoulder pain. "Cervical spondylosis in young people in their 20s is now more common."

The age at which serious illnesses occur is now getting younger and younger, and countless examples, both from celebrities and those around them, are proving that serious illnesses are not as far away from us as we think!

3, the cure rate of serious illness is getting higher and higher: in fact, with the continuous improvement of the level of modern medical science and technology, many serious illnesses can be cured! Serious illness is not equal to death, but no money to cure is equal to death; and the fact is that serious illness is equal to poverty, a family's bankruptcy is often from the occurrence of serious illness! It's really a case of decades of hard work, and a disease that takes you back to the pre-liberation era!

4, the cost of treatment of serious illness is unaffordable: the cost of treatment of serious illness is generally from 100,000 to hundreds of thousands of dollars, so that ordinary people are afraid. According to expert statistics, if a serious illness requires only 100,000 yuan in cash, 85% of Chinese families can not get out, 14% of families out will affect other financial plans, can come up with only 1%. In fact, once a serious illness occurs, it involves much more than just the cost of treatment; it also involves the cost of rehabilitation and care in the later stages, the cost of peace of mind, the loss of income due to incapacity to work, and of course, the huge financial and mental losses caused to the family. It can be said that in most families, if only one person suffers from a serious illness, the whole family will be in a desperate situation! Social security reimbursement is limited to the cost of treatment for serious illnesses. Social security reimbursement has a starting line and ceiling line, the starting line is not reimbursed below the ceiling line is not reimbursed above the ceiling line, the starting line and the ceiling line within the part of the deductible part of the medication, the remaining part of the reimbursement in accordance with the reimbursement rate.

5, the impact of serious illness on the family is too great: if the head of the family in serious illness, in addition to their own to suffer from the disease, but also need to be a huge amount of medical costs, and the loss of the source of income, the family mortgage, debt how to repay? How can the family repay the mortgage and debts? How can the children grow up and educate in the future? How to support the old and weak parents in the future? How will the family continue to live in the future? There is even the possibility that the family will die! That once on the lover's oath of allegiance can only be left as a huge burden overwhelmed on her fragile shoulders ...... an originally incomparably happy home from now on the luxury of happiness will be far from the foreseeable future!

6, after the occurrence of serious illnesses to cope with the way: in case of serious illnesses, we either rely on social security (far from enough), or use savings, or overdraft credit card, or to friends and relatives to borrow, or sell the house and car, or to seek help from the community, may I ask ourselves will be used in that way to solve it? Don't say that we should just die, the desire to survive at that point will be overwhelming!

7, everyone should be prepared for critical illness insurance: because it is related to everyone's health and life, so everyone should establish critical illness protection, which is not only for the future of their own preparation for life-saving money, but also for the family of a love of responsibility!

The three causes of major diseases

1, worsening environmental pollution

The by-product of rapid global economic development: serious environmental pollution, has posed an increasing threat to human health, the World Health Organization released a study showing that nearly a quarter of the world's by avoidable environmental pollution caused by more than 13 million deaths each year from preventable environmental pollution. The World Health Organization released a study showing that nearly a quarter of global deaths are caused by avoidable environmental pollution, and more than 13 million deaths each year stem from preventable environmental factors, and up to one-third of the deaths and diseases in less developed regions are caused by environmental factors, which is alarming.

2. Changes in dietary structure

The dietary structure of Chinese residents has changed dramatically over the past three decades. Chicken, duck, fish, and meat, which used to be on the dinner table only during New Year's festivals, have now become commonplace. At the same time we enjoy delicious food, but also ate into the high-fat, high-salt, high-calorie "junk" food, but also ate out of high blood pressure, high cholesterol, high blood sugar, "rich people's disease".

3, the change of work pressure

Increasing competition has led to the modern work pressure is very large, endless overtime, charging learning, frequent socializing, many people are in a state of excessive tension, loss of appetite, often insomnia, irritability, endocrine disorders, memory, immunity decline, the body is deteriorating. Authoritative statistics show that nearly 700 million people in China are in a state of sub-health.

However, with the development of science and technology, major diseases are not equal to death, and advanced equipment and medicines can maintain the continuation of life while major diseases occur.

Data show that the cure rate of major diseases is getting higher and higher, a survey by the World Health Organization shows that: the survival rate of all types of major diseases is 60% for men and 76% for women; those who survived for more than 10 years accounted for 20%, and for those who detected cancer at an early stage, 54% of them survived for more than 5 years. At the same time, the cost of treatment for major diseases is getting higher and higher, and it is the inability to pay expensive medical bills that is terminal!

Modern people suffer from the causes of major diseases:

1. Chemical pollution of industry, food, water, soil, air and so on;

2. Increasing pressure at work;

3. Excessive intake of high-calorie, high-cholesterol food;

4. Excessive smoking, excessive drinking;

5. Occupationally caused by subfertility triggers Reduced resistance to disease;

6. Genetic factors in the family;

7. Other causes that have not yet been identified.

Currently the highest incidence of profile:

1. Malignant tumors:

Cancer is the highest incidence of malignant tumors of a disease. China's cancer mortality rate is the first in the world, in less than 20 years, China's cancer incidence rate has increased by 69%, the mortality rate increased by 29.4%, an average of 4 deaths in 1 because of cancer deaths. Lung cancer has the highest incidence rate among men, and breast cancer and uterine cancer have the highest incidence rate among women! Currently, the incidence of cancer in developed countries is higher than 250/100,000, while our country's figure is close to 150/100,000, which is at the forefront of developing countries. Statistics show that in 2000, there were 25 million cancer patients worldwide***, of which 11 million new cases were diagnosed, and 7 million people died of cancer. The incidence rate of colorectal cancer has also risen to the 3rd place of cancer incidence, with the incidence rate for men and women rising to 37.2/100,000 to 33.5/100,000 respectively. The number of digestive system cancers in China accounts for 57.8% of the world's incidence, of which stomach cancer accounts for 33.4%.

2. Heart Disease:

Globally, heart disease kills 32 people per minute--according to the World Health Organization (WHO), 17 million people die of heart disease every year in the world, which is equivalent to heart disease killing 32 people per minute. China has more than 200 million patients with cardiovascular disease, Guangdong Province has close to 15 million people. The number of people who die of various coronary heart disease is estimated to be more than 1 million per year, and the number of people who die of complications from hypertension is estimated to be more than 1.5 million.

3. Stroke:

According to experts, stroke is a serious danger to human health diseases, clinical research shows that the incidence of stroke is 150/100,000, the mortality rate of 120/100,000, the disability rate of patients who survived the rescue is as high as 75%.

4. Myocardial infarction:

Millions of people die of myocardial infarction every year in our country, the incidence of coronary heart disease is rising - there are about 40 million patients with coronary heart disease in our country, and about 260 cases of patients die of cardiovascular and cerebrovascular diseases every hour.

5. paralysis:

China's cerebral palsy incidence rate of 1.84%, the elderly encephalopathy patients accounted for 10% of the total elderly population.

6. Chronic renal failure (uremia):

At present, the incidence of chronic renal failure (CRF) in China is estimated to be about 1~30,000, and patients rely on dialysis therapy and kidney transplantation to maintain life. The incidence of uremia is increasing at a rate of 10% per year. Hypertension is one of the common symptoms in chronic renal failure, especially in the uremic stage, where the prevalence of hypertension is as high as 80% .1.5 million people are dependent on renal disease instead of treatment to survive. According to the statistics of causes of death in 30 cities and 78 rural counties, in 2006, the top ten causes of death for urban residents were: malignant tumors, cerebrovascular diseases, respiratory diseases, heart diseases, injuries and poisonings, digestive system, endocrine nutritional and metabolic disorders, genito-urinary diseases, neurological diseases, and pulmonary tuberculosis. The top ten causes of death together accounted for 90.4% of the total number of deaths. Compared with 2005, the mortality rates of malignant tumors, respiratory diseases, endocrine nutritional and metabolic diseases, and neurological diseases increased by 18.6, 0.3, 3.9, and 0.4 percentage points respectively.