1, waiting period, that is, there is a certain observation period after insurance, which is generally 90 to 180 days after successful insurance. If you have contracted diseases during the waiting period, you can't claim compensation, but you can refund the insurance money. The insurance company has set a waiting period to prevent customers from taking out insurance in case of illness.
2. Diagnostic criteria for serious diseases: For example, cancer generally requires surgical resection of tumor tissue to be diagnosed. Diabetes claims need to be accompanied by amputation, fundus lesions, kidney lesions and so on.