Is vertigo a critical illness in the insurance contract?

There will be a health notice before applying for insurance, if the health notice is passed, you can apply for insurance normally, the health notice is vague, there is a past medical history before the underwriting results can be issued, and each insurance company has different health control. Vertigo generally does not have much impact on insurance, depending on the underwriting results.

The insurance contract generally contains 25 critical illnesses stipulated by the CIRC, and these 25 critical illnesses account for about 95% of all critical illnesses. According to the way of claim, it can be divided into three types:

1.Diagnosis is a claim, 12 types:

Malignant tumors, acute or subacute severe hepatitis, multiple limb loss, chronic liver failure decompensation, deafness in both ears, blindness in both eyes, severe Alzheimer's disease, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, severe aplastic anemia.

2.After taking some kind of ** means, there are 5 kinds of claims:

Major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), benign brain tumors, heart valve surgery, aortic surgery.

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

Acute myocardial infarction, sequelae of stroke, end-stage renal disease (or chronic renal failure uremia phase), sequelae of encephalitis or sequelae of meningitis, deep coma, paralysis, severe brain injury, loss of speech ability.

If it is a critical illness insurance, only those diseases specified in the contract will be covered, and other diseases will not be insured.

In addition, according to the situation you described, you can go to the hospital to find out what the dizziness and vertigo are, and if it is because of the corresponding critical illness, it can be insured.

See if there is anything in the insurance contract.

Sickness insurance is not for everything, it is the same for all companies. If it is a critical illness, then vertigo will definitely not be reported, but it also depends on the contract, if the contract is attached to the inpatient or outpatient expenses subsidy, you can go to a secondary hospital or above to see a doctor can be reimbursed proportionally.

It is recommended to go to the hospital as soon as possible to check what is causing the vertigo, if it is a disease, to detect it as soon as possible, as soon as possible**. Wishing good health!

Have you ever been hospitalized or have you had relevant tests? If not, I have been hospitalized and have not been examined. Yes, it can be purchased. However, there is a review period for insurance. You can learn more about this question through the business people.

If you don't have vertigo, you can buy it for nothing.

Yes, insurance is just in case.

The basic 20 kinds of major diseases insured by each company are different from those stipulated by the Insurance Association of China (not stipulated by the Insurance Regulatory Commission, but set by the industry association), and the 32 kinds you call are probably the healthy life and other health-related insurance types of Taikang Life, and the diseases are as follows:

Malignancy, 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 phase), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis or 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, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, aortic surgery, multiple sclerosis, end-stage lung disease, cranial surgery, poliomyelitis, severe muscular dystrophy, acute hemorrhagic necrotizing pancreatitis, erosive molar pregnancy (or malignant molar pregnancy).

Labor Contract Law of the People's Republic of China Article 39 The employer may terminate the labor contract if the employee falls under any of the following circumstances:

1) During the probationary period, it is proved that they do not meet the employment requirements;

2) Seriously violating the rules and regulations of the employer;

3) Serious dereliction of duty, malpractice for personal gain, causing major damage to the employer;

4) The worker establishes labor relations with other employers at the same time, causing a serious impact on the completion of the work tasks of the employer, or refuses to make corrections upon the employer's request;

5) The labor contract is invalid due to the circumstances specified in Item 1, Paragraph 1 of Article 26 of this Law;

6) Those who have been pursued for criminal responsibility in accordance with law.

The 20 diseases included in the critical illness benefit are: 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. The coverage of critical illness insurance should be linked to the medical insurance for urban residents and the New Rural Cooperative Medical System.

Urban residents' medical insurance and NCMS shall provide basic medical security in accordance with policy provisions. On this basis, the critical illness insurance mainly protects the eligible medical expenses that need to be borne by the urban residents after the medical insurance and the NCMS compensation in the case of high medical expenses incurred by the insured (combined) person suffering from a serious illness.

The 20 diseases included in the critical illness benefit are: 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. The coverage of critical illness insurance should be linked to the medical insurance for urban residents and the New Rural Cooperative Medical System.

Urban residents' medical insurance and NCMS shall provide basic medical security in accordance with policy provisions. On this basis, the critical illness insurance mainly protects the eligible medical expenses that need to be borne by the urban residents after the medical insurance and the NCMS compensation in the case of high medical expenses incurred by the insured (combined) person suffering from a serious illness.

Question: My doctor said that if the operation is more than 200,000 yuan, if it is good, it will take a few surgeries, and if it is bad, it will cause me to be paralyzed.

Does this belong to it?

Does this belong to it?

Answer the 20 diseases included in the critical illness benefit: childhood leukemia, congenital heart disease, end-stage renal disease, breast cancer, cervical cancer, severe mental illness, drug-resistant tuberculosis, HIV** 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. The coverage of critical illness insurance should be linked to the medical insurance for urban residents and the New Rural Cooperative Medical System.

Urban residents' medical insurance and NCMS shall provide basic medical security in accordance with policy provisions. On this basis, the critical illness insurance mainly protects the eligible medical expenses that need to be borne by the urban residents after the medical insurance and the NCMS compensation in the case of high medical expenses incurred by the insured (combined) person suffering from a serious illness.

It is advisable to ask at the Social Security Bureau.

Good question, thank you.

The critical illness prescribed by the state is:25 kinds, see the following figure for details:

fromIncidencelook, listed in the table above25 kindsStandard critical illness already accounts for the incidence of critical illnessAbout 95%., the additional disease species has little effect on the incidence.

In other words, the China Insurance Regulatory Commission has greatly stipulated that the 25 types of critical illnesses that must be insured by critical illness insurance have covered more than 95% of critical illness claims. Therefore, when choosing critical illness insurance, there is no need to worry too much about the number of covered diseases, except for these 25 diseases, each critical illness insurance will be included, and other diseases may be slightly different from each product, because there is no unified definition of the official.

When it comes to critical illness, many people mistakenly think that it is a diagnosis that will be paid, but in fact, it is not, as shown in the figure above, there is12 diseasesYesCompensation will be paid immediately upon diagnosis, there is5 kindsTo be takenSpecific meansAfter the claim, there is8 typesis reachedSpecific statusClaims are made later.

1. Severe brain injury.

It refers to the damage to important parts of the brain caused by mechanical external force on the head, resulting in permanent dysfunction of the nervous system. Must be confirmed by imaging studies such as cranial tomography (CT), magnetic resonance imaging (MRI), or positron emission tomography (PET). Permanent dysfunction of the nervous system, defined as 180 days after brain injury, one or more of the following disorders remain:

1) Complete loss of function of one or more limbs;

2) complete loss of language ability or ability to chew and swallow;

3) Complete loss of the ability to live independently, unable to perform three or more of the six basic activities of daily living independently.

2. Severe Parkinson's disease.

It is a degenerative disease of the central nervous system, and the clinical manifestations are tremor paralysis, ataxia, etc. All of the following conditions must be met:

1) Inability to control the condition with drugs**;

2) Complete loss of the ability to live independently, unable to independently complete three or more of the six basic activities of daily living.

Secondary parkinsonism is not covered.

3. Severe burns.

Burns are of a degree and the area of the burn is 20% or more of the total body surface area. The body surface area is calculated according to the "New Chinese Nine Divisions".

Severe primary pulmonary hypertension refers to a chronic disease caused by unexplained persistent increase in pulmonary artery pressure and progressive development, which has caused permanent irreversible limitation of physical activity, reaching the New York College of Cardiology cardiac status classification IV, and the mean pulmonary artery pressure at rest exceeds 30mmHg.

4. Severe motor neuron disease.

is a group of progressive degenerative diseases of motor neurons of the central nervous system, including progressive spinal muscular atrophy, progressive bulbar palsy, primary lateral sclerosis, amyotrophic lateral sclerosis. Must meet the conditions of complete loss of independent living ability and inability to independently complete three or more of the six basic activities of daily living.

5. Loss of language ability.

Refers to a complete loss of speech due to illness or accidental injury that cannot be recovered by existing medical means after at least 12 months of positive** (complete vocal cord removal is not subject to this time limit).

Loss of language ability caused by mental and psychological factors is not covered.

During the policy anniversary period between the ages of 0 and 3, the loss of the insured's language ability is not covered.

6. Severe aplastic anemia.

Refers to anemia, neutropenia, and thrombocytopenia caused by chronic and persistent failure of bone marrow hematopoietic function.

All of the following conditions must be met:

1) Bone marrow aspirate or bone marrow biopsy results support the diagnosis;

2) Peripheral blood must meet the following three conditions:

Absolute neutrophil value ;

reticulocytes <1%;

Platelets absolute 20 109 l.

7. Aortic surgery.

It refers to ** aortic disease, and the actual operation of resection, replacement, and repair of diseased aortic vessels is carried out by thoracotomy or laparotomy. The aorta refers to the thoracic aorta and abdominal aorta, excluding the branch vessels of the thoracic aorta and abdominal aorta.

Intra-arterial angioplasty is not covered.

1.Malignancy — Some early-stage malignancies are not included2Acute myocardial infarction.

3.Stroke sequelae — permanent dysfunction.

4.Major organ transplantation or hematopoietic stem cell transplantation — Allogeneic transplantation is required5Coronary artery bypass grafting (or coronary artery bypass grafting) — thoracotomy is required6

End-stage renal disease (or chronic renal failure, uremia) requires dialysis** or a kidney transplant.

7.Multiple limb loss — complete disconnection.

8.Acute or subacute severe hepatitis.

9.Benign brain tumors — Craniotomy or radiation is required**10Decompensated chronic liver failure — Does not include alcohol or drug abuse due to11

Sequelae of encephalitis or meningitis — permanent dysfunction12Deep coma — Does not include alcohol or drug abuse13Deafness in both ears — permanently irreversible.

14.Binocular blindness — permanent and irreversible.

15.Paralysis — permanently complete.

16.Heart valve surgery — Thoracotomy is required.

17.Severe Alzheimer's disease — Complete loss of the ability to live independently18Severe brain injury — Permanent functional impairment.

19.Severe Parkinson's disease — Complete loss of the ability to live independently20Severe burns — up to at least 20% of body surface area21

Severe primary pulmonary hypertension — There are signs of heart failure22Severe motor neuron disease — Complete loss of the ability to live independently23Loss of language — Complete loss and positive loss for at least 12 months24

Major aplastic anemia.

25.Aortic surgery — Thoracotomy or laparotomy is required.

26.Diversity hardening.

27.Insulin-dependent diabetes mellitus.

28.Severe acute necrotizing pancreatitis.

29.Vegetable.

30.Muscular dystrophy.