Is autonomic disorder a critical illness?

Autonomic dysfunction is a condition in which the internal organs are dysfunctional, and the autonomic nervous system disorder severely damages the body. Affects quality of life.

It does not fall within the scope of major diseases, although it does not belong to major diseases, but the patient is also very painful, and should actively cooperate with the doctor**.

1. Malignant tumors—excluding some early-stage malignant tumors;

2. Acute myocardial infarction;

3. Sequelae of stroke - permanent dysfunction;

4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting) - thoracotomy is required;

6. End-stage renal disease (or chronic renal failure uremia stage) - dialysis** or kidney transplantation;

7. Multiple limb loss - complete disconnection;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor - craniotomy or radiation**;

10. Decompensated chronic liver failure - excluding alcohol abuse or drug abuse;

11. Sequelae of encephalitis or meningitis - permanent dysfunction;

12. Deep coma - excluding alcohol or drug abuse;

13. Deafness in both ears - permanent and irreversible;

14. Binocular blindness - permanent and irreversible;

15. Paralysis - permanent completeness;

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 - at least 20% of the body surface area;

21. Severe primary pulmonary hypertension - with heart failure manifestations;

22. Severe motor neuron disease - complete loss of the ability to live independently;

23. Loss of language ability - complete loss and positive for at least 12 months;

24. Severe aplastic anemia;

25. Aortic surgery - thoracotomy or laparotomy is required;

On November 5, 2020, the Insurance Association of China and the Chinese Medical Doctor Association held a press conference in Beijing to officially release the "Specifications for the Use of Disease Definitions in Critical Illness Insurance (2020 Revised Edition)" (hereinafter referred to as the "New Regulations"). This is the first time in 13 years that the Definition of Critical Illness Insurance has been revised since the release of the Specification for the Use of Disease Definitions in Critical Illness Insurance in 2007.

After the revision of the definition of critical illness, the scope of protection has been further expanded. The number of major diseases will be expanded from 25 to 28, and three new severe diseases will be added: severe chronic respiratory failure, severe Crohn's disease, and severe ulcerative colitis. For the first time, the definition of mild disease was introduced, and the three core diseases of malignant tumor, acute myocardial infarction, and sequelae of stroke were divided into severe disease and mild disease.

At the same time, according to the latest medical developments, the New Regulations have expanded the coverage of 8 diseases such as major organ transplantation, coronary artery bypass grafting, heart valve surgery, and aortic surgery, and improved and optimized the definition of 7 diseases such as severe chronic renal failure.

Hello this friend, critical illness insurance is a relatively complex type of insurance, and many people do not know what are the 25 basic critical illnesses stipulated in the insurance industry.

When it comes to major diseases, many people may not know much about anything other than cancer, but in fact, we don't have to worry.

In 2007, the Insurance Association of China and the Chinese Medical Doctor Association jointly formulated and issued the official "Specification for the Use of Disease Definitions in Critical Illness Insurance", which unified the 25 most common critical illness expressions.

What Daddy wants to say here is that the Insurance Association of China requires that all critical illness insurance must include these 25 critical illnesses, and the definition of diseases and the claim standard must be the same, and they are not allowed to be modified.

These 25 critical illnesses account for more than 95% of all critical illness claims. Therefore, we do not have to worry about incomplete critical illness protection when we buy insurance.

Mild, moderate, and severe symptoms in major diseases.

1. Severe disease. The so-called severe disease refers to serious diseases that may cause death, accelerate the early death of the survivor, and directly affect the survivor's ability to work and live, such as cancer, myocardial infarction, etc.

Critical illness is life-threatening, has a high mortality rate, and is costly.

2. Moderate disease. At present, there is no unified definition of moderate illness in the industry, and each insurance company has the following two dimensions when formulating moderate illness protection:

The first is to classify some mild cases with higher morbidity or ** cost as moderate symptoms, and pay according to the definition standard of mild diseases, and increase the compensation ratio accordingly, such as the compensation ratio for mild diseases is generally 20-30%, and the compensation ratio for moderate diseases has reached 50%.

The second is to further subdivide according to the severity of the disease: if it is more serious than a mild disease, but it has not yet reached the severity of a serious illness, it is defined as a moderate disease. The classification of moderate illness lowers the claim threshold for critical illness insurance, which is equivalent to another layer of protection.

3. Mild symptoms. You should not mistake the name "mild" for a minor problem of a cold and fever, it just does not meet the criteria for a critical illness stipulated by the CBIRC.

Mild symptoms are also considered to be more serious diseases, such as extremely early malignant tumors or malignant lesions, severe visual impairment, etc., all of which are mild symptoms, and the cost is tens of thousands.

A mild illness covered by the insurance policy is usually an early condition or mild symptom of a major illness. Mild illness is more common and more frequent than severe illness.

The 10 high-incidence mild symptoms are as follows:

To determine how well a critical illness insurance product has mild illness protection, it mainly depends on whether it includes the above 10 high-incidence mild illnesses. If the above 10 high-incidence mild diseases are not included, the cost performance of the product itself needs to be carefully considered.

1. Malignant tumors—excluding some early-stage malignant tumors;

2. Acute myocardial infarction;

3. Sequelae of stroke - permanent dysfunction;

4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation;

5. Coronary artery bypass grafting (or coronary artery bypass grafting) - thoracotomy is required;

6. End-stage renal disease (or chronic renal failure uremia stage) - dialysis** or kidney transplantation;

7. Multiple limb loss - complete disconnection;

8. Acute or subacute severe hepatitis;

9. Benign brain tumor - craniotomy or radiation**;

10. Decompensated chronic liver failure - excluding alcohol abuse or drug abuse;

11. Sequelae of encephalitis or meningitis - permanent dysfunction;

12. Deep coma - excluding alcohol or drug abuse;

13. Deafness in both ears - permanent and irreversible;

Note: If the insurance company only covers the insured after a certain age, it must be indicated in the subheading. For example, the claim is made from the age of three.

14. Binocular blindness - permanent and irreversible;

Note: If the insurance company only covers the insured after a certain age, it must be indicated in the subheading. For example, the claim is made from the age of three.

15. Paralysis - permanent completeness;

16. Heart valve surgery - thoracotomy is required;

17. Severe Alzheimer's disease - complete loss of the ability to live independently;

Note: If the insurance company only covers the insured up to a certain age, it must be indicated in the subtitle.

18. Severe brain injury - permanent dysfunction;

19. Severe Parkinson's disease - complete loss of the ability to live independently;

Note: If the insurance company only covers the insurance liability of the insured up to a certain age, it must be indicated in the subtitle.

20. Severe 111th-degree burns --- at least 20% of the body surface area

21. Severe primary pulmonary hypertension - with heart failure manifestations;

22. Severe motor neuron disease - complete loss of the ability to live independently;

Note: If the insurance company only covers the insured up to a certain age, it must be indicated in the subtitle.

23. Loss of language ability--- complete loss and positive ** for at least 12 months.

Note: If the insurance company only covers the insured after a certain age, it must be indicated in the subheading.

For example, the claim is made from the age of three.

24. Severe aplastic anemia;

25. Aortic surgery - thoracotomy or laparotomy is required;

Types of critical illnesses in critical illness insurance products = 25 types of critical illnesses stipulated by the China Insurance Regulatory Commission + other critical illnesses stipulated by the insurance company.

1. Malignant tumors.

2. Acute myocardial infarction;

3. Sequelae of stroke.

4. Major organ transplantation or hematopoietic stem cell transplantation.

5. Coronary artery bypass grafting (or coronary artery bypass grafting) 6. End-stage renal disease (or chronic renal failure uremia stage) 7. Multiple limb loss.

8. Acute or subacute severe hepatitis;

9. Benign brain tumor.

10. Decompensated stage of chronic liver failure.

11. Sequelae of encephalitis or meningitis.

12. Deep coma.

13. Deafness in both ears.

14. Blindness.

15. Paralysis.

16. Heart valve surgery.

17. Severe Alzheimer's disease.

18. Severe brain injury

19. Severe Parkinson's disease

20. Severe burns

21. Severe primary pulmonary hypertension

22. Severe motor neuron disease

23. Loss of language ability

24. Severe aplastic anemia;

25. Aortic surgery.

There are many types of critical illness insurance, and insurance products are updated frequently. However, everything is changing, and there are only those traps that we need to be wary of, taking critical illness insurance as an example: [Insurance] Which is better, how to buy a good deal, teach you to avoid these pitfalls of insurance

1. Malignant tumor: refers to the uncontrolled progressive growth and spread of malignant cells, infiltrating and destroying surrounding normal tissues, and can spread to other parts of the body through blood vessels, lymphatic vessels and body cavities.

2. Acute myocardial infarction: refers to partial myocardial necrosis caused by insufficient blood supply to the corresponding area caused by coronary artery occlusion.

3. Sequelae of stroke: refers to cerebral vascular hemorrhage, embolism or infarction caused by sudden lesions of cerebral blood vessels, and leads to permanent dysfunction of the nervous system.

4. Major organ transplantation or hematopoietic stem cell transplantation: Major organ transplantation refers to the allogeneic transplantation of kidney, liver, heart or lung that has been carried out due to the failure of the corresponding organs.

Hematopoietic stem cell transplantation refers to the allogeneic transplantation of hematopoietic stem cells (including bone marrow hematopoietic stem cells, peripheral blood hematopoietic stem cells and umbilical cord blood hematopoietic stem cells) due to hematopoietic impairment or hematopoietic system malignancy.

5. Coronary artery bypass grafting: refers to the most serious coronary heart disease, and the coronary artery bypass graft for thoracotomy is actually implemented.

6. End-stage renal disease: refers to chronic irreversible failure of both renal functions, reaching the uremia stage, and having regular dialysis** or kidney transplantation for at least 90 days after diagnosis.

7. Loss of multiple limbs: refers to the complete disconnection of two or more limbs from the proximal end of the wrist joint or ankle joint (near the trunk end) due to disease or accidental injury.

There are 36 kinds of major diseases stipulated by the state, namely:

a) malignant tumors;

2) acute myocardial infarction;

3) sequelae of stroke;

4) Major organ transplantation or hematopoietic stem cell transplantation;

5) Coronary artery bypass grafting (or coronary artery bypass grafting), etc.

6) End-stage renal disease (or chronic renal failure, uremia stage) (7) Multiple limb loss.

viii) Acute or subacute severe hepatitis.

9) Benign brain tumors.

10) Decompensated period of chronic liver failure.

11) Sequelae of encephalitis or meningitis.

12) Deep coma.

13) Deafness in both ears.

14) Blindness.

xv) Paralysis.

16) Heart valve surgery.

XVII) Severe Alzheimer's disease.

XVIII) Severe brain injury.

19) Severe Parkinson's disease.

20) Severe burns.

21) Severe primary pulmonary hypertension.

22) Severe motor neuron disease.

23) Loss of language ability.

24) Major aplastic anemia.

25) Aortic surgery.

26) Multiple sclerosis.

27) Human immunodeficiency virus infection caused by blood transfusion (28) Vegetative person.

29) Systemic lupus erythematosus.

30) Insulin-dependent diabetes mellitus (type I diabetes).

31) Primary cardiomyopathy.

32) Myasthenia gravis.

XXXIII) Acute necrotizing pancreatitis.

xxxiv) Necrotizing fasciitis.

35) End-stage lung disease.

36) Severe rheumatoid arthritis.

Many people ask their seniors if they want to buy insurance and want to know some insurance knowledge, hoping to reach the level where they can understand the basic terms by self-study, what content do they need to master? Senior sister took some time to sort out and summarized some basic insurance terms and common terms as follows:Ultra-complete!

Everything you need to know about insurance is here

Start with the most basic concepts, and after understanding these concepts, help you understand some common insurance terms.