What are the types of serious illnesses in serious illness assistance, and what kinds of diseases ar

The same rules for the critical illness of commercial insurance used nationwide were formulated by the Insurance Association and the Chinese Medical Doctor Association in 2007, and all critical illness insurance of each insurance company is one rule, and the rules stipulate three of the following points:

1. All types of insurance sold as critical illness insurance must include the first six types;

2. For all critical illness insurances with more than 6 types and 25 types, in addition to the first 6 types, the next 25 major illnesses must be unified diseases and cannot be changed;

The definition of major diseases must be issued verbatim in accordance with the unified standards of the Insurance Association and the Chinese Medical Doctor Association, including color pages, promotional language, contract definitions, pathological explanations, etc.

All diseases with more than 25 diseases are defined by each company.

The 25 major illnesses are as follows:

1) Malignant tumors – excluding some early-stage malignant tumors.

2) Acute myocardial infarction.

3) Stroke sequelae – permanent dysfunction.

4) Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation is required.

5) Coronary artery bypass grafting (also known as coronary artery bypass grafting) – thoracotomy is required.

6) End-stage renal disease (also known as chronic renal failure uremia phase) – requires dialysis** or kidney transplantation.

7) Multiple limb missing—complete disconnection.

8) Acute or subacute severe hepatitis.

9) Benign brain tumors – requiring craniotomy or radiation**.

10) Decompensated chronic liver failure – excludes alcohol or drug abuse.

11) Sequelae of encephalitis or sequelae of meningitis – permanent dysfunction.

12) Deep coma – not caused by alcohol or drug abuse.

13) Deafness in both ears – permanently irreversible, must be claimed after the age of three.

14) Blindness – permanently irreversible, must be claimed after the age of 3.

15) Paralysis — permanently complete.

16) Heart valve surgery – thoracotomy is required.

17) Severe Alzheimer's disease – complete loss of the ability to live independently.

18) Severe brain injury – permanent dysfunction.

19) Severe Parkinson's disease – complete loss of the ability to live independently.

20) Severe burns – up to 20% of body surface area

21) Severe primary pulmonary hypertension – with signs of heart failure.

22) Severe motor neuron disease – complete loss of the ability to live independently.

23) Loss of Language Ability – Total loss and positive loss for at least 12 months, must be claimed after the age of three.

24) Major aplastic anemia – Peripheral blood is subject to certain conditions.

25) Aortic Surgery – Thoracotomy or Laparotomy is required.

Malignancy. Uremia, diabetes. Coronary heart disease, etc.

Generally speaking, the types of serious illness assistance are to follow the path of serious illness diagnosis and treatment determined by health, depending on how the local medical reform plan is determined, you can check the medical reform plan of the province and the city on the Internet, the serious illness documents of the health department, consult the local civil affairs department for the scope of serious diseases, and it should be able to solve it through 114 dozen **.

What diseases can apply for serious illness assistance?

Legal analysis: The diseases included in the serious illness assistance are different according to the regulations of each province and city, and please refer to the relevant specific regulations of each province and city for which types are included. Taking Shantou City as an example, its serious illness assistance includes: 1

acute myocardial infarction; 2.Stroke (acute phase); 3.chronic renal failure; 4.

acute necrotizing pancreatitis; 5.acute severe hepatitis; 6.severe traumatic brain injury; 7.

life-threatening benign brain tumors; 8.Hemopathy; 9.Heart failure; 10.

respiratory failure; 11.Gastrointestinal bleeding (requiring surgery**); 12.Severe accidental trauma; 13.

It is necessary to undergo surgery as soon as possible to prevent serious consequences such as aggravation of the condition and endangering life safety and secondary disability; 14.Other major diseases that have been diagnosed by designated hospitals and require emergency rescue.

Legal basis: Paragraph 1 of the "Shantou Municipal Opinions on the Implementation of Assistance for Disabled Persons with Difficulties in Serious Illness" is registered in the city, and patients with serious illnesses who hold a disability certificate, are in financial difficulties and meet the requirements of these Measures, and are preferred to urban and rural subsistence allowance recipients and employees in extreme poverty in enterprises. You can apply for assistance in the following situations:

1) Suffering from a major illness that endangers life safety or is likely to cause secondary disability and requires hospitalization. Includes:

1.acute myocardial infarction; 2.Stroke (acute phase); 3.

chronic renal failure; 4.acute necrotizing pancreatitis; 5.acute severe hepatitis; 6.

severe traumatic brain injury; 7.life-threatening benign brain tumors; 8.Hemopathy; 9.

Heart failure; 10.respiratory failure; 11.Gastrointestinal bleeding (requiring surgery**); 12.

Severe accidental trauma; 13.It is necessary to undergo surgery as soon as possible to prevent serious consequences such as aggravation of the condition and endangering life safety and secondary disability; 14.Other major diseases that have been diagnosed by designated hospitals and require emergency rescue.

Serious illness medical assistance refers to a new type of medical assistance system that relies on the basic medical insurance for urban residents (employees) and the new rural cooperative medical settlement platform, with stable capital investment, shared service platforms, information resource sharing, synchronous settlement and payment, standardized management and operation, obvious relief effects, and can provide fast services for the people in need, covering urban and rural areas in a scientific and standardized manner.

The recipients of medical assistance for serious illnesses are: (1) the recipients of the five guarantees in rural areas; (2) Persons who are unable to work, have no economic income, and are unable to provide legal support (dependents) (hereinafter referred to as the "three no-persons") in urban areas; 3) Recipients of the minimum subsistence guarantee for urban and rural residents; (4) Employees who are relegated in the 60s who enjoy regular and quantitative living allowances from civil affairs departments; (5) Key preferential recipients who enjoy regular bereavement allowances from civil affairs departments; (6) Employees in extreme poverty approved by the Federation of Trade Unions; (7) Urban and rural low-income family members.

Serious illness assistance includes: lung cancer, esophageal cancer, gastric cancer, colon cancer, rectal cancer, breast cancer, cervical cancer, severe multi-organ failure (heart, liver, lung, brain, kidney), aplastic anemia, end-stage renal disease (uremia), multidrug-resistant tuberculosis, AIDS opportunistic infection, severe mental illness, hemophilia, anti-rejection** before liver and kidney transplantation and after surgery, chronic myeloid leukemia, acute myocardial infarction, cerebral infarction, severe type A H1N diabetes, hyperthyroidism, cleft lip and palate and other 22 types of diseases.

1. The scope of serious illness is mainly as follows: 1. Uremia dialysis; 2. Mental illness; 3. Malignant tumors; 4. Aplastic anemia; 5. Acute, subacute, mid-to-late chronic severe hepatitis; 6. Heart valve replacement surgery; 7. Coronary artery bypass surgery; 8. Intracranial tumor surgery, etc. 2. Aid Objects 1. Key Preferential Care Objects:

Including the old demobilized servicemen in the township, the disabled servicemen of the third class or above in the township, the separated personnel of the Red Army, the veteran cadres of the Soviet area, and the preferential care objects who live in the county glorious hospital and the county industrial therapy station; 2. The five guarantees in rural areas are open to the slag; 3. Rural subsistence allowance recipients; 4. Urban subsistence allowance recipients; 5. Poverty targets with other special difficulties identified by the county people.

Social Insurance Law of the People's Republic of China

Article 25.

The State shall establish and improve a basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be given a supplementary annual allowance by **.

Critical illness insurance is officially known as critical illness insurance.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that pays the insurance money according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc. occurs.

From February 1, 2021, insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased. For the first time, the new regulations on critical illness insurance introduce the definition of mild diseases, which divides the three core diseases of malignant tumors, acute myocardial infarction and sequelae of stroke into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the insured amount that can be compensated for these three mild diseases is determined to be 30% of the total sum insured.

The China Banking and Insurance Regulatory Commission (CBIRC) clearly stipulates that critical illness insurance must include 25 diseases, which can be roughly divided into 3 categories according to the compensation standard: compensation immediately upon diagnosis (3 types), implementation of the agreed surgery or ** (6 types), and reaching the agreed status (16 types).

1. Compensation will be paid upon diagnosis.

Among them, malignant tumors, severe third-degree burns, severe aplastic anemia, etc. are compensated upon diagnosis.

2. The agreed surgery or means were carried out.

1.malignancy (with the exception of certain early-stage malignancies); 2.acute myocardial infarction; 3.

sequelae of stroke; 4.Major organ transplantation or hematopoietic stem cell transplantation; 5.coronary artery bypass (also known as coronary artery bypass grafting); 6.

End-stage renal disease (also known as the uremia phase of chronic renal failure).

3. Attainment of the agreed state of disease.

1.multiple limb missing; 2.acute or subacute severe hepatitis; 3.

decompensated chronic liver failure; 4., sequelae of encephalitis or meningitis; 5.deep coma; 6.

deafness in both ears; 7.blindness in both eyes; 8.Paralysis; 9.

heart valve surgery; 10.severe Alzheimer's disease; 11.severe brain injury; 12.

severe Parkinson's disease; 13.severe primary pulmonary hypertension; 14.severe motor neuron disease; 15.

loss of language ability; 16.Aortic surgery.

These 25 critical illnesses account for 95% of all major diseases.

With the development of critical illness insurance in recent years, there are more and more critical illness insurance policies with protection responsibilities such as mild to moderate illness (the early symptoms of critical illness and the probability of occurrence is greater), that is, even if the illness does not meet the claim standard for critical illness, it can also improve the claim probability of critical illness insurance through mild to moderate illness claims. For families who can afford it, it is the trend of family insurance planning to cover a wider range of diseases.