The insured suffers from the following five diseases before insurance, and is regarded as a group with hospitalization responsibility. After the policy comes into effect, the hospitalization expenses incurred by patients before can also be reimbursed by 35%. The identification of past diseases is based on discharge diagnosis.
Specific diseases include:
① tumor: malignant tumor;
② Liver and kidney diseases: renal insufficiency; Liver cirrhosis and abnormal liver function;
③ Cardiovascular and cerebrovascular diseases: ischemic heart disease and chronic cardiac insufficiency; Cerebrovascular diseases; Grade ⅲ hypertension; Diabetes with complications;
④ Lung diseases: chronic obstructive pulmonary disease and chronic respiratory failure;
⑤ paralysis.
Liability agreement for specific self-funded drugs and CAR-T treatment expenses
The insured who suffered from the drug indications in the Catalogue of Specific Self-paid Drugs before the insurance is regarded as a sick person in the past and is responsible for the specific drugs and CAR-T treatment expenses. After the policy comes into effect, former patients can also be reimbursed 35% for drug expenses incurred by purchasing specific self-funded drugs; Medical expenses arising from CAR-T treatment will not be paid.