At the same time, according to the latest medical progress, the "new regulations" have expanded the coverage of eight diseases, including major organ transplantation, coronary artery bypass grafting, heart valve surgery and aortic surgery, and improved and optimized the definitions of seven diseases, including severe chronic renal failure.
It is worth noting that the "new regulations" relax the compensation conditions for some defined projects. For example, according to the old standard, the compensation for "heart valve surgery" must have the qualification of "performing thoracotomy".
This makes some patients who have undergone minimally invasive surgery often fall into disputes with insurance companies about whether they can be compensated, and the new regulations cancel the restriction of "performing thoracotomy" and replace it with "performing open heart surgery", which effectively improves the protection rights of consumers.
Extended data
Regarding the issue of thyroid cancer that has attracted much attention, the relevant person in charge of the China Insurance Association said that this revision did not exclude thyroid cancer, but graded it according to the severity of the disease and paid compensation according to the severity. According to the latest medical practice, scientifically classify diseases, reasonably distinguish serious diseases from minor diseases, and make compensation more accurate and reasonable.
It is an important breakthrough in this revision. In the old standard, some early malignant tumors were excluded from the compensation scope. This time, according to the above classification principle, "malignant tumor-mild" is included, such as skin malignant tumor without lymph nodes and distant metastasis except melanoma, prostate cancer with TNM stage of T 1N0M0 and other diseases. From this perspective, the protection of consumers is more comprehensive.
As for the upper limit of the proportion of minor illnesses, the above-mentioned person in charge pointed out that according to the feedback from all walks of life and the data of underwriting claims in the insurance industry, the upper limit of the proportion of three minor illnesses included in the new regulations is determined to be 30%. Insurance companies add mild diseases other than the new regulations to critical illness insurance products, and the corresponding insurance amount is set by the insurance companies themselves reasonably.
People's Daily Online-The new regulations for critical illness insurance have officially landed, and the number of critical illnesses has expanded to 28.