What are the insurances, and what are the critical illnesses covered by the critical illness insuran

InsuranceCritical illness insurance is critical illness insurance, also known as critical illness insurance. It refers to the commercial insurance behavior in which the insurance company determines that the major diseases are the objects of insurance, such as malignant tumors, cerebral hemorrhage, myocardial infarction, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. Which insurance company is strong, I just sorted out the relevant content, I hope it will help you:

The latest list! Ranking of the top 10 insurance companies in the country.

What is the insurance critical illness insurance?

There are two types of critical illness insurance: term insurance and whole life insurance. Term insurance can only cover a certain period of time, and once this period is exceeded, the insurance company will not pay out even if the insured has a serious illness. If you do not suffer from a serious illness during the coverage period, the insurance company will not refund the benefit.

This type of insurance is generally covered for up to 30 years, and if you apply for insurance at the age of 20, you can cover it up to the age of 50. If you apply for insurance at the age of 30, you can be covered until the age of 60.

There are two types of life insurance, one is to provide critical illness protection for the insured, and is responsible until the death of the insured; There is also a contract between the insurance company and the insured, which covers up to the limit age (such as 100 years old) and covers the whole life, and the general premium is relatively high, but it includes death insurance. Considerable risk was taken.

If you need to buy critical illness insurance, it is best to choose term insurance, because term insurance is relatively cheap, the coverage time is more flexible, and the choice is relatively large. How to buy critical illness insurance? Regarding the choice of regular or lifetime, I just sorted out the relevant content, I hope it will be helpful to you:

How to choose critical illness insurance term vs lifetime?

Critical illness insurance is defined by the occurrence of high medical expenses, rather than by specific diseases, so there is no specific type of disease.

Critical illness insurance generally covers malignant tumors, severe cardiovascular and cerebrovascular diseases, and permanent paralysis.

A critical illness is a disease that costs a lot of money to treat and seriously affects the normal work and life of the patient and his or her family over a long period of time. Critical illness insurance can help the masses solve the problem of "poverty due to illness and return to poverty due to illness", so that the vast majority of people will no longer fall into economic difficulties due to illness.

Critical illness insurance includes malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or chronic renal failure uremia stage), multiple limb loss, acute or subacute severe hepatitis, and benign brain tumors.

Decompensated chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe burns, etc.

Among them, 20 diseases included in the critical illness medical insurance: childhood leukemia, congenital heart disease, end-stage renal disease, breast cancer, cervical cancer, severe mental illness, drug-resistant tuberculosis, AIDS infection, hemophilia, chronic myeloid leukemia, cleft lip and palate, lung cancer, esophageal cancer, gastric cancer, type I diabetes, hyperthyroidism, acute myocardial infarction, cerebral infarction, colon cancer, rectal cancer.

Critical illness insurance includes Centennial Kanghuibao Critical Illness Insurance, Hongkang Dora A Critical Illness Insurance, Taikang Le Ankang Lifetime Critical Illness Insurance, etc., and users can choose the product that suits them according to their budget and protection content.

The purpose of the insurance is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness, with the aim of solving the problem of "poverty due to illness and returning to poverty due to illness", so that the vast majority of people will no longer fall into economic difficulties due to illness.

On August 24, 2012, the National Development and Reform Commission, the Ministry of Health, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Civil Affairs, the Insurance Regulatory Commission and other six ministries and commissions issued the "Guiding Opinions on Carrying out Serious Illness Insurance for Urban and Rural Residents", which clearly aimed at the heavy burden of urban residents' medical insurance and the New Rural Cooperative Medical System (NCMS) with a heavy burden of serious illness, introduced a market mechanism, established a serious illness insurance system, reduced the burden of serious illness on urban and rural residents, and the reimbursement ratio of serious illness medical insurance was not less than 50%.

At present, the medical insurance for serious illnesses includes chronic severe hepatitis, cirrhosis of the liver, tuberculosis, psychiatric diseases, post-cardiovascular and cerebrovascular stenting, myasthenia gravis, motor neuron disease, terminal asthma, avascular necrosis of the femoral head, onset (cutaneous) myositis, panniculitis, epilepsy, Parkinson's disease, multiple sclerosis, systemic lupus erythematosus, polyarteritis nodosa, Behcet's disease, systemic sclerosis, hypercortisolism, primary aldehyde solid ketotosis, rheumatoid arthritis (active), Henoch-Schonlein purpura, nephropathy, Thrombocytopenic purpura, pituitary gland, diabetes insipidus, polycythemia vera, primary vascularity, hypercortisolism, essential vasogenesis, essential angiosangiosis, hyperductiosaria.

Article 28 of the Social Insurance Law.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

Article 29.

The part of the medical expenses of the insured persons that shall be paid by the basic medical insurance and land insurance shall be settled directly by the social insurance agency and the medical institution and the drug business unit. The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses for medical treatment in other places to facilitate the insured to enjoy basic medical insurance benefits.

Summary. Hello dear! We'll be happy to answer for you. <>

Big Bing insurance includes extremely serious and critical illness insurance, specifically including serious and life-threatening, the quality of life cannot be guaranteed after the first day, and the life of the disease is not good, and the life is seriously shortened. At present, there are about 20 kinds of diseases covered by the big bing in China, including exchanging tumors such as white xuebing, pheochromocytoma, small cell xing liver cancer, and acute myocardial infarction, which refers to irreversible cardiac infarction caused by myocardial deficiency.

What is critical illness insurance?

Hello dear! We'll be happy to answer for you. <>

Big Bing insurance includes extremely serious and critical illness insurance, specifically including serious and life-threatening, the quality of life cannot be guaranteed after the first day, and the life of the disease is not good, and the life is seriously shortened. At present, there are about 20 kinds of diseases covered by the big bing in China, including exchanging tumors such as white xuebing, pheochromocytoma, small cell xing liver cancer, and acute myocardial infarction, which refers to irreversible cardiac infarction caused by myocardial deficiency.

The sequelae of stroke such as paralysis, inability to take care of oneself, major organ transplantation are common heart or lung transplantation, coronary artery bypass grafting, end-stage renal bing, also known as urinary syndrome, multiple limb loss, limb complete detachment from the trunk, brain tumor frontotemporal apical sarcoma, chronic liver failure. Sequelae of encephalitis or meningitis, common polio, deep coma, various types of shock, deafness and blindness, severe Alzheimer's bing, severe Parkinson's bing, severe burns, burn area up to 80%, severe aplastic aplastic academia, aortic aneurysm, arterial dissection surgery, etc.

Critical illness insurance covers specific critical illnesses such as malignancy, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease, multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver failure, sequelae of encephalitis or sequelae of meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, etc.

[Legal basis].Article 28 of the Social Insurance Law.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

Article 29.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

Summary. Hello dear, the critical illnesses covered by critical illness insurance are as follows:1

Cancer, including malignant tumors, lymphoma, leukemia, etc. 2.Cardiovascular and cerebrovascular diseases, including coronary heart disease, myocardial infarction, stroke, etc.

3.Organ transplantation, including kidney, liver, heart, lung, etc. <>

Hello dear, the critical illnesses covered by critical illness insurance are as follows:1Cancer, including high-risk tumors, lymphoma, leukemia, etc.

Nian Zheng 2Cardio-cerebrohematologic diseases, including coronary heart disease, myocardial infarction, stroke, etc. 3.

Organ transplantation, including kidney, liver, heart, lung, etc. <>

Hello dear, 4End-stage renal disease refers to the condition of chronic renal failure in the advanced stage that requires long-term dialysis or kidney transplantation**. 5.Sakura sclerosis: A central nervous system disorder that causes nerve damage and dysfunction. <>

Hello, dear, 6Lupus erythematosus, is an autoimmune disease that causes damage to multiple organs. 7.Muscle gravis is a rare neuromuscular disorder that causes muscle weakness and atrophy. [hug the stove].

Hello, dear, you need to note that different critical illness insurance products may contain different types of diseases and coverage, and the specific coverage needs to be determined according to the specific insurance terms. <>

Critical illness insurance includes insurance for extremely serious and major diseases, including those that are serious and life-threatening, those whose quality of life cannot be guaranteed after treatment and cannot take care of themselves, and those whose disease prognosis is not good and whose life is seriously shortened.

At present, there are about 20 kinds of diseases included in the serious illness insurance in China, including malignant tumors such as leukemia, pheochromocytoma, small cell liver cancer, acute myocardial infarction, which refers to irreversible infarction of the heart caused by myocardial ischemia.

<> Social Security Knowledge Morning Report: What is the scope of serious illness medical insurance? Here's the answer.

Critical illness insurance refers to the serious illness insurance for urban and rural residents, which is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness, with the purpose of solving the problem of "poverty due to illness and return to poverty due to illness", so that the vast majority of people will no longer fall into economic difficulties because of illness. 2...If you want to know more about the scope of serious illness medical insurance, serious illness insurance, refers to the serious illness insurance for urban and rural residents, which is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness, the purpose is to solve the problem of "demolition and closure due to illness and return to poverty due to illness", so that the vast majority of people will no longer fall into economic difficulties because of illness.

On August 30, 2018, the National Development and Reform Commission, the Ministry of Health, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Civil Affairs, the Insurance Regulatory Commission and other six ministries and commissions issued the "Guiding Opinions on Carrying out the Work of Serious Illness Insurance for Urban and Rural Residents", which clearly stated that in view of the heavy burden of serious illness of urban residents' medical insurance and NCMS participants, market mechanisms were introduced to establish a serious illness insurance system to reduce the burden of serious illness on urban and rural residents, and the reimbursement ratio of serious illness medical insurance should not be less than 50%.