4. 1 malignant tumor-exclude some early malignant tumors.
4.2 Acute myocardial infarction
4.3 Sequela of Stroke-Permanent Sexual Dysfunction
4.4 Major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation.
4.5 Coronary Artery Bypass Grafting (or Coronary Artery Bypass Grafting)-Thoracotomy is required.
4.6 End-stage renal disease (or uremia stage of chronic renal failure)-dialysis treatment or kidney transplantation is needed.
4.7 Multiple limb loss-complete amputation
4.8 Acute or subacute severe hepatitis
4.9 Benign brain tumor-requires craniotomy or radiotherapy.
4. 10 decompensated period of chronic liver failure-excluding alcoholism or drug abuse.
4. 1 1 encephalitis sequela or sequelae of meningitis-permanent sexual dysfunction.
4. 12 deep coma-excluding alcoholism or drug abuse.
4. 13 binaural deafness-permanent irreversibility
Note: If the insurance company only undertakes the protection responsibility of the insured after a certain age, it must be indicated in the subtitle.
4. 14 blindness-permanent irreversibility
Note: If the insurance company only undertakes the protection responsibility of the insured after a certain age, it must be indicated in the subtitle.
4. 15 paralysis-permanent complete paralysis
4. 16 heart valve surgery-requires thoracotomy.
4. 17 Severe Alzheimer's disease-complete loss of independent living ability.
Note: If the insurance company only undertakes the protection responsibility of the insured before a certain age, it must be indicated in the subtitle.
4. 18 Severe brain injury-permanent sexual dysfunction
4. 19 severe Parkinson's disease-complete loss of independent living ability
Note: If the insurance company only undertakes the protection responsibility of the insured before a certain age, it must be indicated in the subtitle.
4.20 Severe third-degree burns-at least 20% of body surface area.
4.2 1 severe primary pulmonary hypertension with heart failure.
4.22 Severe motor neuron disease-complete loss of autonomous living ability
Note: If the insurance company only undertakes the protection responsibility of the insured before a certain age, it must be indicated in the subtitle.
4.23 Loss of language ability-complete loss and active treatment for at least 12 months.
Note: If the insurance company only undertakes the protection responsibility of the insured after a certain age, it must be indicated in the subtitle.
4.24 Severe aplastic anemia
4.25 Aortic surgery-requires thoracotomy or laparotomy.