What diseases are covered by Chinese Life Critical Illness Insurance?

Chinese Life's China Life Critical Illness Insurance contains 100 critical illnesses, which include 28 critical illnesses stipulated in the new critical illness regulations, as well as other common critical illnesses. The 28 types of critical illness in the new regulations are covered by all critical illness insurance, and the other critical illnesses will vary from insurance company to insurance company

The 28 diseases that must be included are these:

The first is the head (12 types): when it comes to critical diseases, the well-known is "cancer", that is, malignant tumors (common malignant tumors are: nasopharyngeal cancer, lung cancer, esophageal cancer and cardia cancer, gastric cancer, primary liver cancer, colorectal cancer, breast cancer, malignant lymphoma).

Alzheimer's disease (Alzheimer's disease), severe Parkinson's disease, severe motor neuron disease (psychosis).

Blindness, aphasia, deafness.

Then there are the heart (5 types): acute myocardial infarction, coronary artery bypass grafting, aortic surgery, cardiac membrane differentiation surgery, vital organ transplantation or hematopoietic stem cell transplantation (kidney transplantation, heart transplantation, lung transplantation, liver transplantation, bone marrow transplantation).

Then there is the liver, kidney, and lungs (5 types):

Pulmonary: severe primary pulmonary hypertension, end-stage lung disease.

Liver: severe hepatitis, liver failure.

Kidney: end-stage renal disease (uremia).

Finally, there are the others (6 types): multiple sclerosis, deep coma, severe burns, limb loss, paralysis, aplastic anemia (leukemia).

There are many types of critical illness insurance products under Chinese Life, and the types of diseases included may also be different, depending on the insurance contract. However, according to the regulations of the China Banking and Insurance Regulatory Commission, critical illness insurance on the market should include 28 types of critical illnesses that must be insured, including severe malignant tumors, severe acute myocardial infarction, severe stroke sequelae, etc., in addition, insurance companies will also add some other critical illnesses on their own.

Taking the Lifetime A 2022 Critical Illness Insurance as an example, this product can provide 120 types of critical illness protection, of which in addition to the 28 critical illnesses that must be insured, the remaining 92 are defined by Chinese Life Insurance Company.

However, the more types of diseases covered by a high-quality critical illness insurance is not always better, and whether a critical illness insurance is comprehensive depends on the incidence of the diseases covered. According to the claims data of major insurance companies, the 28 critical illnesses stipulated by the China Banking and Insurance Regulatory Commission have accounted for more than 95% of critical illness claims, which can almost cover the vast majority of critical illness claims. As for other critical illnesses covered by the insurance company, the illness rate is generally low, and if it is not insured, it will not have much impact on the claim rate.

Of course, in addition to critical illness protection, a qualified critical illness insurance policy should include mild and moderate illness protection, and the claim conditions for mild and moderate illness should be more lenient than those for major illnesses, which can increase the probability of winning compensation for the insured.

In addition, the sum insured of critical illness insurance must also be sufficient in order to exert a strong protection effect. It is generally recommended that the sum insured of critical illness insurance should be at least 300,000 yuan, because in addition to covering the average medical expenses of 300,000 yuan for critical illness**, the insured amount of critical illness insurance must also include 3-5 years of work income to make up for the economic risks caused by serious illness.

If you don't know how much coverage is appropriate for critical illness insurance, you can take a look at this article: How much coverage is appropriate for insurance? Let's talk about the doorway inside.

Summary. First, is Chinese Life Insurance critical illness insurance reliable Overall, Chinese Life Insurance critical illness insurance is still very reliable. Chinese Life is a very large insurance company, there are many business outlets offline, there are many insurance ** people, and the popularity is also very high, everyone can rest assured.

The critical illness insurance he launched is very good, take the National Life Celebration Edition as an example, this insurance has a loose definition of mild diseases, and the protection responsibilities are also very comprehensive, and consumers can also choose whether to attach cancer to make multiple claims according to their own needs. However, his ** is relatively higher, which is more suitable for mid-to-high-end consumer groups to buy. Second, is it necessary to buy critical illness insurance for Chinese life insuranceI personally believe that it is still necessary to buy critical illness insurance for Chinese life insurance, mainly for the following two reasons:

1. The ability to resist risks If you unfortunately suffer from any major illness, it will require high costs to carry out**, if you buy critical illness insurance at this time, you can get a compensation, critical illness insurance has the ability to resist risks, so it is still necessary to buy. 2. Transfer the risk of illness: If you allow, you can buy Chinese life critical illness insurance and medical insurance together.

This allows for more comprehensive protection. Chinese Life is the leader in the insurance industry, and its strength and reputation are relatively reliable, so everyone can rest assured. After buying insurance, you can transfer the risk to the insurance company.

Hello dear! Chinese Life Insurance Critical Illness Insurance is not bad.

First, is Chinese Life Insurance critical illness insurance reliable Overall, Chinese Life Insurance critical illness insurance is still very reliable. Chinese Life is a very large insurance company, there are many business outlets offline, there are many insurance ** people, and the popularity is also very high, everyone can rest assured. The critical illness insurance he launched is very good, take the China Life Heng Senfu Celebration Edition as an example, this insurance has a loose definition of mild diseases, and the protection responsibility is also very comprehensive, and consumers can also choose whether to attach cancer to pay multiple times according to their needs.

However, his ** is relatively higher, which is more suitable for mid-to-high-end consumer groups to buy. Second, is it necessary to buy Chinese life insurance critical illness insurance I personally believe that Chinese life insurance critical illness insurance is still very necessary to buy, mainly to block the following two reasons: 1, the ability to resist risks If everyone unfortunately suffers from any major disease, it will require high costs to carry out **, if you buy critical illness insurance at this time, you can get a compensation, critical illness insurance has the ability to resist risks, so it is still necessary to buy.

Chinese Life is the leader in the insurance industry, and its strength and reputation are relatively reliable, so everyone can rest assured. After buying insurance, you can transfer the risk to the insurance company.

Insurance classification: critical illness insurance;

China Life Corning Lifetime Critical Illness Insurance;

China Life Kangheng Critical Illness Insurance;

Cherish Life Hospitalization Medical Whole Life Insurance;

China Life Supplementary Critical Illness Insurance;

China Life Additional Ruixin pays critical illness insurance in advance;

China Life Kangyu Critical Illness Insurance;

China Life Corning Term Critical Illness Insurance;

Commercial medical insurance.

The meaning of Chinese Life Property Insurance Shares **** and the scope of business of dust leakage:

1.Meaning: It is a national professional property insurance company jointly initiated and established by Chinese Life Insurance (Group) Company and its Chinese Life Insurance Co., Ltd., with a registered capital of 8 billion yuan;

2.Business scope: including property loss insurance, liability insurance, credit insurance and guarantee insurance, short-term health insurance and accident insurance, reinsurance business of the above businesses, the use of insurance funds permitted by national laws and regulations, and other businesses approved by the China Insurance Regulatory Commission.

The main types of life insurance critical illness insurance are:

1.According to whether it is returned or not, it is divided into consumption-based critical illness insurance and return-based critical illness insurance.

2.According to the number of claims, it can be divided into critical illness insurance with single claim payment and critical illness insurance with multiple claims.

3.According to the protection period, it is divided into term critical illness insurance and whole life critical illness insurance.

Chinese Life Insurance Critical Illness Insurance includes:

1. Malignant tumors - excluding some early 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. Compensated period of chronic liver failure - excluding alcoholism or drug abuse.

11. Sequelae of encephalitis or sequelae of meningitis - permanent dysfunction.

12. Deep coma - excluding alcohol or drug abuse.

13. Deafness in both ears - permanently irreversible.

14. Binocular blindness - permanent irreversible.

15. Paralysis - permanently complete.

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 functional impairment.

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

20. Severe third-degree burns - up to at least 20% of 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.