Does insurance hyperthyroidism belong to a mild disease, and what diseases does the insurance refer

Hyperthyroidism, abbreviated as "hyperthyroidism", is a condition in which the thyroid gland synthesizes and releases too much thyroid hormone, resulting in hypermetabolism and sympathetic nervous system excitation, causing palpitations, sweating, increased eating and bowel movements, and weight loss.

Generally speaking, hyperthyroidism is not a mild disease in critical illness insurance because it is less harmful to people's health. What diseases does critical illness insurance cover, if you want to know, you may wish to take a look at the following article: What diseases does critical illness insurance cover?

If you don't know these, don't buy them randomly!

If hyperthyroidism is diagnosed, as long as there are no complications or sequelae, and the thyroid function hormone is normal, then there is an opportunity to purchase critical illness insurance, medical insurance, etc., and it may also be covered by the standard. When applying for insurance, the insurance company will generally ask for health notice, if there is an answer to the hyperthyroidism, then the partner also needs to tell the truth, do not hide the physical condition. Health notice is a threshold for us to insure, so it is best to choose a product with a more relaxed health notice, so that the probability of successful insurance will be relatively large.

However, since hyperthyroidism is not a mild disease, even if you buy critical illness insurance and are diagnosed with hyperthyroidism after the waiting period, the insurance company is likely not to pay for it. In addition to critical illness insurance, small partners can also purchase medical insurance, life insurance, accident insurance or annuity insurance. Remind friends that you should buy insurance as soon as possible, after all, buy early and enjoy it early.

With the development of medical technology, the types of diseases insured are also constantly updated, and the fifty types of mild diseases can usually be divided into five categories:

3. Diseases related to severe organ function: severe hearing impairment in both ears, blindness in one eye, severe chronic renal failure, lobectomy, small burns, systemic lupus erythematosus and other diseases;

5. Other diseases: early rubberosis, osteoporotic fracture, hip replacement surgery, vena cava filter implantation and other diseases.

In addition, the types of diseases and terms of each insurance company may be different, and the details of the specific 50 minor diseases and their claim conditions can be referred to the terms of the contract.

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At present, each insurance company usually sets the number of mild diseases at 40, and the specific definition of mild diseases is slightly different, but malignant tumors - mild, mild acute myocardial infarction, and mild stroke sequelae are all included and the disease definition is the same. Generally speaking, the critical illness insurance products of various insurance companies contain more common mild critical illnesses, so whether or not a certain illness is included does not highlight the advantages and disadvantages of the insurance product.

At present, mild illness is an additional liability in critical illness insurance and cannot exist as a separate type of insurance. Mild illness is actually relative to a major illness, and is usually an early state of a major illness or a mild illness. For example, very early malignant tumors, atypical myocardial infarction, mild stroke, etc., are far from the literal meaning of "very mild disease" that many people mistakenly think.

For critical illnesses, the China Insurance Regulatory Commission has uniformly stipulated 28 types of critical illnesses that must be insured, and the claim conditions for each insurance company and each critical illness insurance product are basically the same.

In addition, it is up to the insurance company to decide whether it wants to cover 50 diseases or 100 diseases.

Mild symptoms are even different. At present, the China Insurance Regulatory Commission does not have unified regulations on it, but only determines malignant tumors - mild and mild acute myocardial infarction, and mild sequelae of stroke. There are no other types of diseases, and there are no conditions for claims.

As a result, for the same mild disease, some insurance companies have loose claims, some insurance companies have strict claims, and some insurance companies do not even cover this disease.

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Minor illnesses include the following diseases: carcinoma in situ, ** cancer, chronic lymphocytic leukemia, stage I Hodgkin's disease, etc.

Mild illness and severe illness are the same as the literal meaning and belong to the "predecessor" of critical illness. Although it is called a mild disease, it is not an ordinary type of cold and fever disease. It is a precursor to major diseases, such as carcinoma in situ, mild stroke, and so on.

However, mild illness is different from major illness in that its definition is not strictly uniform, and can be divided into two categories: moderate illness and mild illness, and their payouts are completely different.

However, it is different whether the same disease is mild or moderate in different insurance products, so you should pay more attention when choosing. Generally, the number of minor illnesses covered by critical illness insurance is 20 or more, and when purchasing products, the more the better, some types may just be subdivided, or the same type of mild illness, and you should choose the main high-incidence critical illness corresponding to the high-incidence mild illness to be covered.

Minor illnesses covered by critical illness insurance mainly include: non-life-threatening malignant lesions, atypical acute myocardial infarction, minor stroke, coronary intervention (non-thoracotomy), pituitary tumor, brain cyst, cerebral hemangioma, decompensated specific chronic liver failure, severe hearing impairment, severe visual impairment, moderate paralysis, heart valve interventional surgery, specific brain injury, minor third-degree burns, early motor neuron disease, intra-aortic surgery, early cardiomyopathy, type 1 diabetes complicated by nephropathy, Single limb loss, carotid angioplasty or endarterectomy, hepatic lobectomy, pacemaker implantation, moderate encephalitis or sequelae of meningitis, moderate Alzheimer's disease, moderate Parkinson's disease, primary pulmonary hypertension, moderate myasthenia gravis, moderate rheumatoid arthritis, moderate ulcerative colitis, minor facial burns, pericardial resection, and many more. Different insurance companies and insurance products have different coverage for minor illnesses.

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1. The so-called "insurance mild illness" does not actually refer to a minor illness such as a cold and fever, but refers to a more serious illness like the "critical illness" in critical illness insurance, but its severity has not yet reached the level of "critical illness".

2. In the current insurance products, some take "mild illness" as an additional insurance, while others take "mild illness" as one of the main insurance protections.

3. However, whether it is an additional insurance or one of the main insurance protections, you must pay attention to the terms when applying for mild illness protection, and see if there are 8 diseases, such as very early malignant tumors or malignant ulnar lesions, atypical acute myocardial infarction, minor stroke, severe visual impairment, coronary intervention, heart valve intervention, intra-aortic surgery, pituitary tumor, brain cyst, cerebral aneurysm and cerebral hemangioma. Because these 8 diseases are "mild diseases" with a high incidence of disease, if there is something in the insurance policy, then the protection of the insurance product is more qualified.

Mild illness is the symptom of a major illness in the early stage and when it is mild, and it cannot meet the claim standard for a critical illness, such as carcinoma in situ, slight stroke, etc., all of which belong to the liability of minor illness.

The eight high-incidence mild diseases include carcinoma in situ, minor stroke, atypical acute myocardial infarction, minor third-degree burns (10%), severe visual impairment, coronary intervention, intra-aortic surgery, pituitary tumor and brain cyst.