Ford's life is twice as healthy. Can hospitalization for critical illness insurance pneumonia be reimbursed?

You can't. Common pneumonia is not a serious illness. Pneumonia is mainly caused by bacteria, viruses and other pathogens, and most patients can be cured after treatment. Therefore, it is not a major disease, and the critical illness insurance cannot be settled. However, if the insured dies of pneumonia, the critical illness insurance can claim death compensation, and some critical illness insurance will have the extended liability of COVID-19 and can claim compensation from COVID-19.