In general, what illnesses can be covered by critical illness insurance?

The China Banking and Insurance Regulatory Commission (CBIRC) stipulates that all critical illness insurance sold in China must cover 25 common high-incidence critical illnesses, accounting for 95% of the critical illness incidence, and these 25 critical illnesses account for 95% of the critical illness incidence, of which 6 are the most prevalent, accounting for 80% of the incidence. The specific names of these 25 critical illnesses are shown in the figure below

Of these 25 critical illnesses, some are:Diagnosis is a claim, such as malignancy; Some are:After taking some kind of ** meansClaims, such as heart valve surgery; Some are:Once a certain status is reached

SoWhen buying critical illness insurance, you don't need to compare the number of covered diseasesWhat really needs to be compared is whether the definition of critical illness is strict, the number of mild to moderate diseases with high incidence, etc

There are a few things to keep in mind when choosing critical illness insurance:

1.Allocate the sum insured according to the budget。The sum insured is the amount of money that can be obtained in case of insurance, of course, the more money, the better.

However, if the sum insured is too high, the more premiums you have to pay each year. If it is a burden on family life, the gains outweigh the losses. Therefore, it is necessary to allocate the amount of insurance reasonably according to your budget.

2.It is best not to group multiple claims for critical illness, and group for high-incidence critical illness (cancer) separately。For critical illnesses with multiple claims, the number of claims received by not grouping is more than that of grouping, and the separate grouping of high-incidence critical illnesses can increase the probability of compensation.

3.If you have a sufficient budget, you should choose whole life critical illness insurance。Not only can it be guaranteed for life, once and for all, but you can also not worry about the difficulty of re-applying for insurance once the insurance period arrives.

After summarizing the above points, I have selected a fewCost-effective's critical illness insurance, both adults and children, is worth a look:Top 10 Popular Critical Illness Insurance Points Worth Buying!

The coverage of the adult critical illness insurance product must include 6 diseases with the highest incidence and claim rate among the 25 critical illnesses, i.e., malignant tumors, excluding some early-stage malignant tumors; acute myocardial infarction; The sequelae of stroke must be a permanent functional impairment; Major organ transplantation or hematopoietic stem cell transplantation, requiring allogeneic transplantation; Coronary artery bypass grafting (also known as coronary artery bypass grafting), which requires thoracotomy surgery; End-stage renal disease (also known as chronic renal failure uremia phase) requires dialysis** or kidney transplantation.

In addition to the above six diseases, the insurance company can choose to use other types of diseases.

Precautions for buying critical illness insurance.

First, pay attention to the duration of the guarantee. As you get older, the incidence of critical illnesses increases, and premiums are cheaper when you're younger than when you're older, so don't choose short-term insurance for the sake of cheapness.

Second, it is necessary to pay attention to the scope of protection, the coverage of critical illness products on the market is very wide, but in fact, the incidence of many diseases is very low or even none.

Third, to see the observation period clearly, insurance companies usually set an observation period, which is 30 days, 60 days, 90 days, 180 days or even 360 days. During this period, the insurance company will not be liable for compensation in the event of an insured event.

To sum up, purchasing critical illness insurance can greatly reduce the financial pressure on the family. When purchasing critical illness insurance, it is important to determine the budget and sum insured according to your actual situation, pay attention to the coverage period and coverage, and understand the observation period.

In fact, all insurance companies cover the same critical illness, and the China Insurance Regulatory Commission stipulates that the 25 categories of critical illnesses that insurance companies must insure can be claimed. That is, malignant tumors, excluding some early-stage malignant tumors; acute myocardial infarction; The sequelae of stroke must be a permanent functional impairment; Major organ transplantation or hematopoietic stem cell transplantation, requiring allogeneic transplantation; Coronary artery bypass grafting (also known as coronary artery bypass grafting), which requires thoracotomy surgery; End-stage renal disease (also known as chronic renal failure uremia phase) requires dialysis** or kidney transplantation. Cigna reminds you that in addition to the above six diseases, insurance companies can choose to use other types of diseases.

There are three main types of compensation requirements for critical illness insurance, namely, compensation upon diagnosis, compensation after taking specific means, and compensation after reaching a specific status.

1. Compensation for clinical disease diagnosis.

Critical illness insurance requires that the diseases meet the diagnostic criteria of clinical diseases, such as malignant tumors.

2. The method is specific.

Some patients do not take the method that complies with the terms of the contract during the process, and the insurance company will also refuse to pay.

3. Reach a specific state.

The insurance company stipulates that this type of illness must reach a special status or last a certain period of time to be eligible for compensation.

Hello! In an environment where the health crisis is becoming more severe, it is imperative to purchase commercial insurance and need to be insured in a timely manner. There are two types of insurance that are essential in commercial insurance, and one of them is critical illness insurance.

Critical illness insurance policies are a way to transfer risk, obtain protection, and are one of the financial options. If you use a part of the money to purchase critical illness insurance and medical insurance, you can get compensation in case of insurance, and you can eventually recover the principal without insurance. Critical illness insurance can pay insurance benefits in advance after a critical illness is diagnosed, so that financial support is most needed.

Critical illness insurance claims will be easy to get paid if you pay attention to:

There are four major clauses to pay attention to when purchasing critical illness insurance:

1.Insurance Liability. Generally speaking, it is what the insurance company promises to do for you after you buy this policy, so it is the most important and clear clause.

2.Liability exemption: refers to the scope of insurance liability that the insurance company does not assume in accordance with the law or the contract, and the content of the liability exemption clause will be specified in the contract in the form of enumeration.

3.The premium payment clause usually states how the policyholder should pay the premium, the deadline for payment, etc., and the policyholder should pay the premium in a timely manner according to the agreement to prevent the policy from being suspended or invalidated.

4.Receipt of insurance benefits. Once an insured event occurs, how should the customer get in touch with the insurance company in time and make a claim, especially pay attention to how long it should be to apply to the insurance company, what documents should be provided when applying, etc.

When choosing critical illness insurance, you need to pay attention to the following:

1.Have a clear understanding of the critical illness for which you will be compensated. Critical illness insurance does not cover all illnesses, and only those who suffer from a critical illness specified in the contract can receive the compensation agreed in the contract.

2.Learn about the types of illnesses covered by critical illness insurance products. In fact, critical illness insurance products cover many types of diseases, and investors must insure against more threatening diseases, rather than blindly insuring them.

It is understood that the more diseases covered by critical illness insurance, the higher its premium.

3.Purchase critical illness insurance products based on your needs. Investors choose based on their age, gender, and needs. For example, women can be insured for women's diseases such as breast cancer.

Critical illness insurance coverage is important and recommended for you:

There are still many diseases that can be recovered by critical illness insurance, including many major cancers, and some more serious diseases, which are all included. For example, tumors are definitely covered by critical illness insurance, but critical illness insurance seems to have eliminated a type of cancer that occurs multiple times. This cancer is called thyroid cancer.

Because this kind of cancer is still more common in the elderly population, they may have lost too much money on this cancer, so they eliminated this disease.

Many elderly people will have thyroid nodules, and in severe cases, about a few centimeters will be thyroid tumors. So many people will have this kind of thyroid nodule. Today's ultrasound is very powerful, and even nodules as small as a few meters can be seen.

So there are many people who rely on this thyroid tumor to pay a lot of money. So the insurance company has eliminated this cancer.

No matter what kind of critical illness insurance we buy, we should buy some major companies' critical illness insurance, such as Chinese Insurance Property Insurance and other insurance companies, are well-known and old insurance companies in the industry, if we want to buy insurance from these insurance companies, there will not be too many excuses when making claims. If you are such a small company, you may find a lot of excuses to lose less money or not pay at all. At that time, I felt that it was still quite miserable, and it was still a long time to reason with the insurance company through a lawsuit.

So I think it's more important to find a reliable insurance company. Find a company with a good reputation in the early stage, and you can get good compensation in the later stage.

However, when signing this kind of contract, you should still take a good look at the clause in the contract, because some insurance companies will do their own tricks in these clauses, as long as you see all these things in black and white, I believe that you will not suffer again. I hope everyone can buy their own suitable critical illness insurance.

Severe malignant tumors, cardiovascular and cerebrovascular diseases, organ transplant surgery, lifelong disability, advanced chronic diseases, severe coma, permanent paralysis, severe brain injury.

Critical illness insurance can cover diseases such as cervical cancer, stomach cancer, lung cancer, diabetes, high blood pressure, malignant tumors, myocardial infarction, etc.

Some major diseases, such as cancer, leukemia, tumors, myocardial infarction, sequelae after stroke, meningitis, Crohn's disease, etc., can be covered.

Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is one of the most complex types of insurance in the insurance industry, and if you want to know more, you can check out this critical illness insurance comparison table"Comparison Table of 136 Popular Critical Illness Insurance in China".

The China Banking and Insurance Regulatory Bureau stipulates that these 25 critical illnesses must be included regardless of which diseases are covered by critical illness insurance: <>

These 25 critical illnesses already cover more than 95% of critical illness insurance claims, so critical illness insurance does not need to pay too much attention to which diseases are covered by critical illness insurance.

According to the underwriting method, the 25 critical illnesses are divided into 3 categories: <>

In addition to these 25 kinds of critical illnesses, there are many more, most of the critical illness insurance on the market is about 80-100 kinds of critical illness, and the more protection critical illness insurance may be, the more expensive the critical illness insurance may beWhat Critical Illnesses Are Covered by Critical Illness Insurance? Read the truth about critical illness insurance in one article

Critical illness insurance is not as simple as looking at what diseases are covered, so let's analyze what are the most important points to look at when picking critical illness insurance.

(1) Types of coverage

25 types of critical illnesses will definitely be included, and there is no need to worry too much about the types of critical illnesses of critical illness insurance, and the focus of critical illness insurance is to see whether there is protection for moderate and mild diseases. Moderate and mild illness are usually the precursors of a critical illness, and moderate and mild illness protection is one of the conditions for excellent critical illness insurance.

(2) Payout ratio

In addition to paying 100% of the basic sum insured for critical illness, it is best to have additional compensation, the compensation standard for moderate illness is 2 times of compensation, and the compensation ratio is not less than 50%, and the standard of compensation for mild illness is 3 times of compensation, and the compensation ratio is not less than 30%.

(3) Cancer Second Benefit

This mainly depends on whether there is a second benefit for cancer and how long the interval is, and the interval is generally not more than 3 years.

(4) The claim is reasonable

There are three types of compensation for critical illness insurance: payment after diagnosis, payment after the implementation of certain means, and payment after reaching a certain disease state. For example, the compensation method for cancer should be the compensation for diagnosis, and the compensation after the implementation of a certain method is only reasonable for major organ transplantation, hematopoietic stem cell transplantation, coronary artery bypass grafting and other means.

If you want a good critical illness insurance, you have to understand the above content, and you have to combine your own situation and budget, I have directly compiled a list to help you choose:Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Arnold answered:

Hello! The types of diseases that can be claimed by critical illness insurance need to depend on the specific insurance contract, and the types of covered diseases will vary from insurance company to insurance company, but they will definitely include 25 diseases stipulated by the Insurance Regulatory Commission, as follows: irreversible deafness in both ears, irreversible blindness, irreversible paralysis, heart valve surgery to undergo thoracotomy surgery, severe Alzheimer's disease that incapacitates life, severe brain damage leading to permanent dysfunction, malignant tumors, acute myocardial infarction, Sequelae of stroke resulting in permanent dysfunction, severe burns that reach more than 20% of body surface area, severe primary pulmonary hypertension with heart failure, severe motor neuron disease that incapacitates life, severe aplastic anemia, aortic surgery requiring thoracotomy or abdomen, decompensated chronic liver failure due to factors other than alcohol and drug abuse, sequelae of encephalitis or meningitis that causes permanent dysfunction, allogeneic organ transplantation or hematopoietic stem cell transplantation, Acute or subacute severe hepatitis, benign brain tumor requiring craniotomy, end-stage renal disease requiring dialysis** or kidney transplant surgery, loss of multiple limbs resulting in complete separation, coronary artery bypass surgery with thoracotomy due to deep coma due to factors other than alcohol and substance abuse, severe incapacitating severe Parkinson's disease, loss of speech ability that remains completely absent after more than 12 months.