What is included in the insurance for critical illness, and what is included in the insurance critic

At present, the China Insurance Regulatory Commission has regulations on 28 types of critical illnesses, except for 28 types of critical illnesses, the rest are stipulated by the insurance companies themselves. Some insurance companies have 100 types of critical illness insurance products, some have 120 types, and some have 150 types, no matter how many they are, depending on the type of critical illness insurance specified in the terms of the insurance product purchased.

At present, all insurance companies cover the following 28 types of critical illnesses: malignant tumors, excluding some early-stage malignant diseases; acute myocardial infarction; sequelae of stroke; major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting; end-stage renal disease; multiple limb missing; acute or subacute severe hepatitis; benign brain tumors; decompensated period of chronic functional failure; or sequelae of meningitis in sequelae of encephalitis; deep coma; deafness in both ears; blind; Paralysis; heart valve surgery; severe Alzheimer's disease; severe brain injury; severe Parkinson's disease; severe third-degree burns; severe primary pulmonary hypertension; Severe motor neuron disease; loss of language ability; severe aplastic anemia; aortic surgery; chronic respiratory failure; severe Crohn's disease; Severe ulcerative colitis. The first 25 types are in the old critical illness insurance, and the last three are new.

Critical illness insurance is included in health insurance.

Types of Health Insurance:

Health insurance. Medical insurance refers to the insurance that takes the agreed medical expenses as the condition for paying the insurance money, that is, the insurance that provides medical expense protection, which is one of the main contents of health insurance. Medical expenses are the various expenses incurred by patients in order to treat diseases, which include not only doctors' medical expenses and surgical expenses, but also the costs of hospitalization, nursing, hospital equipment, etc.

Medical insurance is short for medical expense insurance.

Sickness insurance. Sickness insurance refers to insurance that is conditional on the payment of insurance benefits due to illness. Usually, the insured amount of this kind of policy is relatively large, and the payment method is generally a lump sum payment of the insured amount immediately after the diagnosis of a special disease.

Income Protection Insurance.

Income protection insurance refers to the insurance that takes the interruption or reduction of income due to accidental injury or illness as the condition for the payment of insurance benefits, and specifically refers to a kind of health insurance in which the insurer pays the insurance benefits in installments within a certain period of time when the insured is disabled due to illness or accidental injury, loses the ability to work and cannot work, resulting in loss of income or reduction of income.

Long-term care insurance.

Long-term care insurance is health insurance that compensates the cost of nursing care services for insured persons who require long-term care due to old age, illness, or disability. Long-term care insurance covers four levels: caregiver care, intermediate care, care-care care, and home care, but earlier long-term care insurance products did not include home care.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

At present, the China Insurance Regulatory Commission has regulations on 28 types of critical illness, except for 28 types of critical illness, the rest are stipulated by the insurance companies themselves, and some insurance companies have 100 types of critical illnesses, some have 120 types, and some have 150 types, no matter how many, the specific types of critical illnesses agreed in the terms of the purchased insurance products shall prevail.

At present, all insurance companies cover the following 28 types of critical illnesses: malignant tumors, excluding some early malignant diseases; Acute myocardial infarction.

sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting; end-stage renal disease; multiple limb missing; acute or subacute severe hepatitis; benign brain tumors; chronic failure decompensation; 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 third-degree burns; severe primary pulmonary hypertension; Severe motor neuron disease.

loss of language ability; severe aplastic anemia; aortic surgery; severe chronic respiratory failure; Severe Crohn's disease.

Severe gastric ulcerative colitis. The first 25 types are all included in the old version of critical illness insurance, and the last three are newly added.

Hello! Critical illness insurance means that the insurance company takes specific critical illnesses, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., as the insured object, and when the insured suffers from the type of critical illness agreed upon, the insurance company will pay the insurance money and compensate the insurance according to the agreement.

According to the different groups of insured people, it is divided into critical illness insurance for children and teenagers, critical illness insurance for the elderly, critical illness insurance for women, etc. According to the type of serious illness, it can also be divided into 10-20 types of critical illness insurance, 20-30 types of critical illness insurance, 40 types of critical illness insurance, etc.

If you have purchased critical illness insurance, as long as the diagnosed illness is eligible for protection in the terms of the policy. Then, the actual insured can get a one-time payment from the insurance company, on the one hand, there is no need to pay the medical expenses after the illness, which reduces the burden of personal medical expenses.

Hope it helps!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Critical illness insurance refers to the insurance that pays critical illness insurance benefits in accordance with the contract in the event of a critical illness. Critical Illness Insurance's diseases are generally divided into six categories, each of which has a representative disease, and these diseases are costly to treat, which seriously affects the normal work and life of patients and their families for a long period of time. These include the following:

1. Diseases associated with malignant tumors in the lead state, such as malignant tumors - severe, malignant molar pregnancy;

2. Diseases related to the heart or cardiovascular and cerebrovascular diseases, such as severe coronary heart disease, aortic dissection, coronary artery bypass grafting, etc.;

3. Diseases related to stroke and nervous system, such as severe stroke sequelae, craniotomy, severe brain injury, etc.;

4. Diseases related to severe impairment of organ function, such as biliary reconstructive surgery, binocular blindness, severe aplastic anemia, severe acute necrotizing pancreatitis, etc.;

5. Diseases related to the respiratory system, such as severe asthma, severe chronic respiratory failure, severe pulmonary sarcoidosis, etc.;

6. Other major diseases, such as rubberism, pheochromocytoma, severe rheumatoid arthritis, corrective surgery for primary scoliosis, etc.

Other insurance questions can be consulted.

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The types of critical illnesses usually covered by critical illness insurance are mainly as follows: Critical illness insurance product information.

Malignancy, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, end-stage renal disease, multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver failure decompensation, sequelae of encephalitis or sequelae of 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 third-degree burns, Severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, end-stage lung disease, severe multiple sclerosis, acute hemorrhagic necrotizing pancreatitis, primary cardiomyopathy, persistent vegetative state, necrotizing fasciitis, transfusion-induced human immunodeficiency virus (HIV) infection, generalized myasthenia gravis, muscular dystrophy, severe Crohn disease.

Summary. Dear, I'm glad to answer for you! Critical illness insurance covers the following types of illnesses:

1.Heart disease: myocardial infarction, heart valve surgery, coronary artery bypass grafting, etc.; 2.

Cerebrovascular disease: stroke, cerebral hemorrhage, etc.; 3.Tumors:

Cancer, malignant tumors, etc.; 4.Diseases of the endocrine system: diabetes, thyroid diseases, etc.;

Dear, I'm glad to answer for you! The insurance covers the following diseases:1

Heart disease: myocardial infarction, heart valve hand chiropractic, coronary artery bypass grafting, etc.; 2.Cerebrovascular disease:

stroke, cerebral hemorrhage, etc.; 3.Tumors: cancer, malignant tumors, etc.; 4.

Endocrine system diseases: diabetic disease, thyroid disease, etc.;

5.Immune system diseases: rheumatoid arthritis, systemic lupus erythematosus, etc.; 6.

Nervous system diseases: epilepsy, Parkinson's disease, etc.; 7.Liver Wang's Disease:

cirrhosis, hepatitis, etc.; 8.Kidney disease: kidney failure, nephritis, etc.; 9.

Other diseases: AIDS, myasthenia gravis, etc.

Critical illness insurance can be divided into term critical illness insurance and whole life critical illness insurance according to the insurance period; According to the payment method, it can be divided into additional benefit insurance, early payment insurance, independent payment insurance and proportional payment insurance.

1. Divided according to the insurance period.

1) Term Critical Illness Insurance: Provide critical illness protection for the insured within a fixed period of time, and the protection period can be 20 years, 30 years, or 60 years old or 70 years old.

2) Whole life critical illness insurance: There are two forms of lifelong protection for the insured, one is to protect the insured until the death of the insured, and the other is to protect until the limit age agreed in the contract. Generally, the whole life critical illness insurance has a death insurance liability, and the rate is relatively high because of the greater risk.

2. Divided according to the payment method.

1) Additional benefit insurance: Under the same main insurance, the main contract and the additional contract have separate sum insured, and the critical illness insurance with additional compensation is attached.

2) Early payment insurance: If the insured suffers from a critical illness as agreed in the contract, the insurer will pay the critical illness insurance benefit in advance according to a certain proportion of the death insurance benefit, and receive the remaining death insurance benefit after death.

3) Independent payment insurance: Independent payment of the main insurance type of critical illness insurance includes the insurance liability of death and critical illness, and its liability is completely independent, and the two have independent insurance amounts.

4) Proportional payment insurance: Proportional payment critical illness insurance is designed for the pure type of pre-critical illness disease, mainly considering the incidence, mortality, cost and other factors of a critical illness to determine the proportion of payment in the total amount of critical illness insurance.

Summary. Dear, we are happy to serve you, Critical Illness Insurance covers Malignant Tumors - Mild, 28 Critical Illnesses, Severe Stroke Sequelae, Coronary Artery Bypass Grafting, Permanent Paralysis, Multiple Limb Loss, Acute or Subacute Severe Hepatitis, Severe Parkinson's Disease, Deafness in Both Ears.

Dear, we are happy to serve you, critical illness insurance covers malignant tumors - mild, 28 major illnesses, severe pontine stroke sequelae, coronary artery bypass grafting, permanent paralysis, multiple limb loss, acute or subacute severe hepatitis, severe Parkinson's disease, deafness in both ears.

The definition of critical illness insurance is based on the new industry unified standards for critical illness 3 types1, malignant tumor - mild 2, mild acute myocardial infarction3, and mild stroke sequelae of Hail.

Cardiovascular and cerebrovascular secondary clearance front compensation, state malignant tumors multiple compensation, malignant tumors and cardiovascular and cerebrovascular diseases are very high incidence and common critical diseases, and their ** rate is very high, almost can't**, need long-term medication**.

Mild disease is a major disease has not developed to the extent of a serious illness when the tremor is not "light", and the cost of the hidden balance liquid stove is relatively less, generally less than 100,000 yuan. Moderate illness is between mild and severe illness.

The new critical illness regulations issued on February 1, 2021 also add three new types of mild diseases, namely mild malignant tumors, mild acute myocardial infarction and mild cerebral stroke sequelae.

What diseases are included in critical illness insurance, which generally covers 28 types of critical illnesses + 3 types of minor illnesses stipulated by the China Banking and Insurance Regulatory Commission, and insurance companies will also add other types of diseases in order to enhance the competitive advantage of insurance products; In addition, planning critical illness insurance should be done first for adults and then children, the amount of insurance should be decided according to the budget, and the insurance responsibilities should be clarified to ensure that their rights and interests will not be harmed.