What are the acute diseases of the elderly? life threatening, such as stroke .

Because of the sudden decline in physical function of the elderly, the immunity is also reduced to a certain extent, so there are often some sudden diseases, mainly the following: 1. Acute abdominal pain, some elderly people suffer from gallstones, kidney stones and other diseases, when the sleep quality and posture changes at night, the stones move to the impacted bile duct or urethral duct to cause muscle spasm and cause acute abdominal pain. 2. Cerebral infarction, the elderly generally have cerebral arteriosclerosis and are prone to cerebral infarction.

3. Asthma. Older people with diffuse bronchitis, emphysema, and cor pulmonale are prone to asthma. 4. Angina pectoris.

In the elderly, due to fatigue, sudden changes in climate or anxiety from watching TV dramas at night, the central nervous system is excited, the coronary arteries are retracted, and the venous blood flow is increased during the quality of sleep at night, resulting in an aggravated heart load. When the heart is unable to get enough blood**, it can cause transient ischemic oxygen deficiency in the heart and cause angina. 5. Urinary retention.

The elderly often suffer from prostatic hyperplasia, and urine retention can be caused by urine extraction during night sleep quality, improved sympathetic nerve fluid regulation, and prostate inflammation.

1. Malignant tumors.

Nowadays, there are many malignant tumors in our lives, no matter which part of our body exists, in fact, it will cause certain damage to our body, which is a very serious disease. Nowadays, many people suffer from malignant tumors, and their bodies are difficult to resist, and it is easy to lose their lives.

2. Brain diseases.

The head is very important to everyone, it is a place for us to think. But nowadays, many people will suffer from some brain diseases, such as stroke or brain damage, if they suffer from these diseases, severe patients may have permanent dysfunction, so that their heads can not think normally, and some more serious may become vegetative.

2. Inability to live independently.

Nowadays, there are many serious diseases, once we have them, they will make us unable to live independently, such as Alzheimer's disease and Parkinson's disease, both of which are very serious diseases, which can make us lose our ability to be autonomous, and we may need to spend our lives in a wheelchair for the rest of our lives, which will not only make us feel uncomfortable, but also affect the lives of our families.

Illness tends to cause a lot of pain to our bodies and can make us feel overwhelmed. Nowadays, many people find that their diseases are often at an advanced stage in the future, so they are not able to go well. Therefore, in ordinary life, we must develop a good habit of regular physical examination to help our body better avoid some diseases.

At the same time, it can also reduce the damage to our bodies.

Aortic dissection, acute myocardial infarction, acute pulmonary embolism, massive cerebral hemorrhage or infarction, shock and coma of various causes, etc.

Sinus arrhythmia does not have a big effect, and normal adults will also have arrhythmia. However, right atrial hypertrophy may indicate high pressure in the pulmonary artery, and as for what causes the high pressure in the pulmonary artery, some other tests such as cardiac ultrasound are needed.

Hello, about 25 major diseases, let Daddy take you to understand. What are the Common Critical Diseases? How to buy critical illness insurance? 》

1. What are the 25 common major diseases?

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.

2. How to choose critical illness insurance is more cost-effective

How to choose critical illness insurance should look at the following aspects:

1. Guarantee responsibility.

1) The key to choosing critical illness insurance is to see if there is a high amount of compensation. For diseases that are serious, costly, and difficult, only a high insurance payout can play a role in resisting.

2) There should be a higher proportion of compensation for mild and moderate diseases, whether the high-incidence mild and moderate diseases are comprehensive, and whether there are additional secondary compensation responsibilities for cancer, cardiovascular and cerebrovascular diseases, etc.

2. Sum insured

Buying insurance is buying the sum insured.

The sum insured should be sufficient to cover the **expenses, **expenses, wages and additional income lost during the critical illness.

That is to say, in addition to the ** expense, the nursing fee, nutrition fee, and income compensation expenses that cannot work normally in the following 5 years should also be included in the insurance amount.

3. Cost-effective

1) Buy cheap ones under the premise of the same protection responsibility.

2) Under the premise of the same **, buy a more complete guarantee responsibility.

3) Preference is given to those with a short waiting period and less health notice.

3. Daddy's summary

This sentence contains not only the destructive power of disease to the human body, but also the destructive power of disease to the family. If there is no critical illness insurance to protect you, the financial burden of suffering from a critical illness can be imagined.

A major illness is enough to bankrupt many families, and one person collapses a family when they fall ill, and only by ensuring that the major illness is protected is the root of the problem.

The China Banking and Insurance Regulatory Commission (CBIRC) stipulates that all critical illness insurance policies on the market must include 25 common high-incidence critical illnesses, and these 25 critical illnesses have a unified definition. The specific critical illness names are shown in the table below, and if you don't know about critical illness insurance, you can take a look at this article:What critical illnesses are covered by critical illness insurance?

Read the truth about critical illness insurance in one article!

These 25 critical illnesses account for 95% of the critical illness incidence, so we don't need to pay too much attention to the amount of coverage for critical illness when choosing critical illness insurance, but to pay attention to the compensation strength of critical illness.

In addition to this, it is also important to pay attention to when picking up critical illness insurance:

Configure the right amount of coverageIncluding mild and moderate diseases with high incidence, the higher the payout ratio, the better。Covering the high incidence of mild to moderate illnesses is more comprehensive, and it can also improve the chance of getting compensation.

Mainstream products on the market can be compensated for 3 times for mild illness, and the compensation ratio starts at 30%; Moderate illness can be compensated 2 times, and the compensation ratio starts at 45%.

Priority is given to critical illness insurance with multiple claims。Multiple claims means that after the first critical illness is claimed.

The contract is not terminated, and if other critical illnesses occur later, you can continue to receive compensation. Although the probability of suffering from two or three critical illnesses is not very large, one more chance of compensation will provide more protection and peace of mind.

If you have a sufficient budget, you will give priority to whole life critical illness insurance for lifelong protection。If you are on a tight budget, choose term critical illness insurance, which covers a fixed period of time, and then makes a high sum insured.

1. What are the 25 major diseases?

The 25 critical illnesses in the insurance industry refer to the diseases that are uniformly defined by the industry. 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. For more information, please see:

What critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article!

The 25 major diseases prescribed by the CIRC are as follows:

Nowadays, some critical illness insurance products claim to cover hundreds of diseases, but in fact, the number of critical illness insurance diseases is meaningless, and whether high-incidence critical illnesses are included is the key. In order to increase premiums, many insurance companies have added some diseases of little significance, such as Ebola virus and mad cow disease, which have a very low incidence in China.

A critical illness insurance ifIncluding these 25 types of critical illness insurance, then basically more than 95% of critical illnesses are covered.

2. How to choose critical illness insurance?

1 Grouping

The meaning of grouping is: diseases in the same group can only be paid once, and diseases in other groups can continue to be claimed.

The order of preference for choosing critical illness insurance is:No grouping, multiple payouts, more grouping, less grouping, single payout

2 Payouts

The number of claims is defined as the number of critical illnesses that can be claimed. The more times you pay, the better.

3.The shorter the payout interval for multiple claims, the better

The interval means: the time between claims, the shorter the interval between multiple claims, the better.

If you're thinking about buying critical illness insurance, I've summarized some of this year's cost-effective, cheap and high-quality critical illness insurance needsTop 10 Cheap and High-quality Popular Critical Illness Insurance** Points!

After the new regulations on critical illness, the number of critical illness insurance has increased from 25 to 28, and these 28 critical illnesses will be explained by Daddy according to the different parts of the body If you want to buy critical illness insurance, you can refer to Daddy's article "May 2021 Critical Illness Insurance List, Which is Better to Buy Critical Illness Insurance?" 》

What critical illnesses are covered by critical illness insurance? Read the truth about critical illness insurance in one article!

The Insurance Association of China (IAC) has unified the expressions and related insurance terms for the 25 most common diseases in critical illness insurance products in the "Specifications for the Use of Disease Definitions in Critical Illness Insurance", requiring all critical illness insurance to use the definitions in the specifications.

Why do you need to specify the 25 critical illnesses that must be included? Let's take a look at the graph below.

ThisTwenty-five high-incidence illnesses account for 95% of critical illness claimsClaims for almost all critical illnesses are covered。At present, the critical illness insurance of all companies uniformly includes these 25 critical illnesses, and their definitions and sequences are basically the same.

However, this only regulates the 25 critical illnesses in critical illness protection, and we buy critical illness insurance, moderate and mild illnesses are equally important, so the intimate senior sister put itProducts with good basic protection such as critical illness and moderate and mild illness have been sorted out, please receive:Top 10 Popular Critical Illness Insurance Points Worth Buying!

With the continuous progress of medical standards,The definition of critical illness insurance is also constantly being updated。For more information on what changes have been made, check out the article I wrote earlier"Recommendations for Purchasing Critical Illness Insurance under the New Regulations on Critical Illness Insurance!" 》

In 2007, the Insurance Association of China (IAC) introduced the Code for the Use of Disease Definitions in Critical Illness Insurance. The specification unifies the expressions of the 25 most common diseases in critical illness insurance products and related insurance terms, and requires all critical illness insurance to use the definitions in the specification. The following picture shows the 25 major diseases in the specification, and I wrote a detailed interpretation of them hereWhat critical illnesses are covered by critical illness insurance?

Read the truth about critical illness insurance in one article! 》

The above 25 critical illnesses cover more than 95% of the critical illnesses suffered by ordinary people, so the CIRC stipulates that all critical illness insurance must include these 25 critical illnesses. What are the best critical illness insurance products on the market? I summarized it"."Top 10 [Worth Buying] Cost-effective Critical Illness Insurance in 2020".

However, due to the continuous development of medical standards, some of the provisions in the norms that have been implemented for 13 years have also lagged behind, so the definition of critical illness insurance has also been reformed recently, such as changing the "cancer-loving" mild thyroid cancer from severe to mild"Recommendations for Purchasing Critical Illness Insurance under the New Regulations on Critical Illness Insurance!" 》

Critical illness insurance is a "payout" type of insurance, as long as you meet the conditions for claims, the insurance company can give you a large amount of money to solve the hidden losses caused by illness caused by income interruption, ** expenses and other such out-of-bed losses.

The team of senior insurance advisors has a strong summary, and you have to look at it"A Beginner's Guide to Critical Illness Insurance, Beginners Understand Critical Illness Starts Here".

The full name of critical illness insurance is critical illness insurance, and its most basic protection is critical illness protection, and the following ** is the 25 major illnesses stipulated by the China Banking and Insurance Regulatory Commission:

It should be noted that the payment methods for different diseases are different, and not all of them are paid upon diagnosis.

The 25 types of critical illnesses are divided into 3 categories according to the underwriting method:

1.Diagnosis is a claim, 12 types;

2.Claim after taking a certain means, 5 types;

3.Claims after reaching a certain status, 8 types;

From the perspective of incidence, 25 standard critical illnesses have accounted for about 95% of the incidence of critical illnesses, and the additional diseases have little impact on the incidence.

In other words, as long as the insurance company has more than 25 types of critical illnesses, it is already a qualified product, and there is no difference between covering 40 critical illnesses and covering 100 critical illnesses.

However, some critical illness insurance uses the type of critical illness covered by critical illness insurance as a selling point, which is obviously unreliable.

Don't think that the product is good because there are many types of critical illness covered by critical illness insurance products, if you have the same situation, you can choose a critical illness insurance product with more types of critical illness protection. If it is much more expensive due to the variety of major diseases, then there is no need to choose.

What is the coverage of critical illness insurance? You can take a look at this articleWhat kind of insurance can cover critical illnesses? What critical illness insurance is worth buying?

Critical illness insurance is used to protect against critical illnesses while also transferring the financial risk associated with critical illnesses. Generally, critical illness insurance products include 25 types of critical illnesses, which are stipulated by the National Insurance Regulatory Commission, as shown below:

If you suffer from a critical illness, the cost of ** starts at 300,000 yuan, which is difficult for the average family to bear, and the following figure lists the cost of ** for major diseases (taking cancer as an example):

And in addition to the need for high ** costs, but also a large number of ** expenses, and this is only the cost of the surface, if the sick is the breadwinner of the family, then for the whole family there is a hidden loss of family income that cannot work.

With the money paid by critical illness insurance, you can make up for the ** expenses, recuperation expenses, loss of income, etc. required during the illness.

I recommend buying critical illness insurance while you are young and healthy, the older you are, the higher the risk of illness and the more expensive the premium. I have previously summarized the top 10 critical illness insurance policies that are worth buying, and you can choose the ones you need to buyTop 10 Popular Critical Illness Insurance Points Worth Buying!