What critical illnesses are covered by critical illness insurance, and what diseases are covered by

Different insurance companies may have slightly different definitions of critical illness insurance, but they generally cover the following diseases: [Click to receive a free 1-to-1 insurance consultation service].

1.malignant tumors (cancer);

2.heart valve surgery;

3.coronary artery bypass grafting surgery (CABG);

4.pacemaker implantation or battery replacement;

5.cerebral stroke (cerebrovascular accident);

6.bone marrow transplant;

7.Transplantation of other vital organs;

8.multiple limb missing;

9.chronic liver disease, liver failure;

10.chronic lung disease, respiratory failure;

11.chronic renal failure;

12.severe burns;

13.Major organ transplantation or hematopoietic stem cell transplantation concurrent by: severe sepsis, severe organ failure, etc.

The specific list may vary slightly from one insurance company to another, and you need to read the policy wording carefully before purchasing.

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Different critical illness insurance products cover different critical illnesses. If you want to know which critical illnesses are covered by a critical illness insurance product, you can open a contract, and the contract will have specific diseases and related claim status.

Although the types of diseases in critical illness insurance products are not exactly the same, they must include 25 types of critical illnesses. Because these 25 critical illnesses are stipulated by the China Banking and Insurance Regulatory Commission, the critical illness insurance products of both large and small companies must include these 25 critical illnesses.

According to past claims data, these 25 critical illnesses can account for 95% of critical illness insurance claims. The China Insurance Regulatory Commission (CIRC) has specified 25 critical illnesses, and all existing critical illness insurance products include these 25 critical illnesses. Critical illness insurance generally includes malignant tumors, acute or subacute hepatitis, deafness in both ears, severe Alzheimer's disease, blindness in both eyes, aortic surgery, benign brain tumors, acute myocardial infarction, loss of speech ability, paralysis, etc.

a serious illness.

Malignancy (cancer), sequelae of stroke, acute myocardial infarction, end-stage renal disease, severe Alzheimer's disease (Alzheimer's disease), severe motor neuron disease, acute or subacute severe hepatitis, severe Parkinson's disease, major aplastic anemia, severe primary pulmonary hypertension, sequelae of encephalitis or sequelae of meningitis, and compensated chronic liver failure.

major surgeries.

These include aortic surgery, benign brain tumors, heart valve surgery, major organ transplantation or hematopoietic stem cell transplantation, and coronary artery bypass grafting.

Class accidental disability.

Multiple limb mutilation, deafness in both ears, blindness in both eyes, paralysis, severe brain injury, severe third-degree burns, loss of speech, and deep coma.

There are many 90, 100, and 110 types of critical illness insurance on the market, and they are composed of 25 high-incidence critical illnesses stipulated by the Insurance Regulatory Commission + other critical illnesses stipulated by the insurance company (depending on the insurance contract). But in fact, the types of critical diseases are not the focus of our attention, because the 25 most common types are included. We should pay attention to whether the protection of the product is in place, that is, whether the compensation ratio is high.

If you want to know more about specific products, you can click the link below to consult.

Recently, many people are allocating critical illness insurance, so what critical illnesses are included in critical illness insurance?

The critical illness insurance we usually buy often has hundreds of critical illness protections, and the specific types of diseases covered by the products of different insurance companies are different.

However, in any case, critical illness insurance has a common protection disease, so what are the common critical illnesses of critical illness insurance?

Critical illness insurance can provide protection for malignant tumors, cardiovascular and cerebrovascular diseases, etc., which belongs to the payment type, which means that if the insured unfortunately suffers from the agreed critical illness, the insurance company will pay the insurance benefits according to the agreement.

This insurance money can help consumers reduce the financial burden of **, ** and other aspects.

So what are the critical illnesses covered by critical illness insurance?

As Daddy said earlier, mainstream critical illness insurance generally has more than 100 types of critical illness protection, and different products have different disease protection agreements.

We can see that malignant tumors, acute myocardial infarction, and sequelae of stroke are all covered in critical illness insurance.

However, there are certain standards for the payment of critical illness insurance, some of which require a certain state of illness, and some require related surgery.

As for what conditions need to be met for each disease to make a claim, those who want to know clearly can click on the private message daddy

All in all, the current products of critical illness insurance need to include the 28 diseases mentioned above, and the insurance company will add other critical illnesses on top of this.

All in all, the critical illnesses included in critical illness insurance vary from product to product, but there are 28 types of critical illnesses that are currently covered by the product.

In addition to "must insure" critical illness, you can choose a product that can cover your protection needs according to your specific situation.

What illnesses are covered by critical illness insurance? It contains 28 major illnesses stipulated by the CBIRC + other critical illnesses stipulated by insurance companies, and the first 28 are the unified regulations of the CBIRC, so the types of diseases and compensation standards are the same. Among them, malignant tumors, acute myocardial infarction, sequelae of stroke, etc., are very high-incidence critical diseases, these names are not unfamiliar to us, although common, but we can not ignore the huge, irreversible blow it brings to families and individuals.

The difference lies in the 28 types of critical illnesses after that, and the types of products and the compensation standards are slightly different. All critical illness insurance products on the market usually contain about 90-110 types of critical illnesses. In addition to critical illness, different products also include moderate disease, mild disease, and even pre-condition, which are the same as severe disease, but they are still relatively mild and cannot meet the claim standard for critical illness.

There are three types of claims for critical illness:1Claim is made when the diagnosis is confirmed; 2.

Settle the claim after taking some kind of means; 3.Claims are made after a certain status is reached.

What is a critical illness? Generally refers to life-threatening and costly diseases. For example, cancer, stroke, acute myocardial infarction.

When a person suffers from a critical illness, it is generally at least 1 3 years from acceptance** to complete**. During this period, the patient is unable to perform high-intensity labor, and the income** is completely interrupted, and if the family still has a mortgage and car loan to repay at the same time, then the family economy is likely to be unable to function normally. In addition to the loss of income, suffering from a critical illness is also devastating.

For example, cancer, it does not mean that if the cancerous tissue is cut off by surgery, the person will be able to resurrect with full blood. Critical illness has a long cycle, not to mention that eating, drinking, and Lazar must be cared for by a special person, nutrition and supplements are also indispensable, and some diseases must be specially carried out.

Generally speaking, critical illness insurance covers not only critical illness, but also mild and moderate illness. Since the reform of critical illness insurance, the China Banking and Insurance Regulatory Commission (CBIRC) has required all critical illness insurance products to include 28 critical illnesses stipulated by the insurance industry.

These 28 critical illnesses account for about 95% of the high-incidence critical illnesses, which are the core protection of critical illness insurance.

The number of critical illness insurance covered by different critical illness insurance products is also different, some only have dozens of types, and some are as high as hundreds, no matter how many critical illnesses are covered, the above 28 critical illnesses must be included.

However, it does not mean that as long as you have these serious diseases, you can be compensated, but there are three situations: compensation when you are diagnosed, some kind of surgery is performed, and the agreed state of illness is reached.

It can be seen that the claim standard of critical illness insurance is still relatively high, but it is not difficult to get a critical illness insurance claim, and the vast majority of people can successfully settle the claim.

However, the insurance industry has not yet unified the regulation of mild and moderate symptoms.

At present, there are only three types of mild diseases uniformly prescribed by the CBIRC: malignant tumors - mild and mild acute myocardial infarction and mild sequelae of stroke.

In addition, there are many high-incidence and mild diseases that are not uniformly regulated, such as coronary artery bypass grafting, minor burns, etc.

The products of some insurance companies do not cover these mild diseases, and even divide some diseases into three, and it is easy for insurance novices who do not understand the terms to step on the pit.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

At present, there are some differences in the types of diseases covered by critical illness insurance between different insurance companies and insurance products, and most critical illness insurance products will cover more than 100 diseases. However, the China Insurance Regulatory Commission stipulates 25 categories of critical illnesses that insurance companies must insure, as follows:

1. Malignant tumors - paralysis does not include 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 is required.

7. Loss of multiple limbs - complete disconnection.

8. Acute or subacute severe hepatitis.

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

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

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

12. Deep coma - not caused by alcohol or drug abuse.

13. Deafness in both ears - permanently irreversible 14, Blindness in both eyes - permanently irreversible 15, Paralysis - permanent complete 16, Heart valve surgery - open surgery 17, Severe Alzheimer's disease - complete loss of the ability to live independently18, Severe brain injury - permanent dysfunction 19, Severe Parkinson's disease - complete loss of the ability to live independently20, Severe burns - at least 20% of the body surface area21, Severe primary pulmonary hypertension - Manifestations of heart failure22, severe motor neuron disease - Heng Qicha - complete loss of the ability to live independently23, loss of speech ability - complete loss and positive ** for at least 12 months24, severe aplastic anemia25, aortic surgery - open or open surgery.

Critical illness insurance generally covers 70-120 kinds of critical illnesses, and according to the product settings of insurance companies, each critical illness insurance product covers different types of diseases, but the 25 kinds of critical illnesses that insurance companies must insure are: malignant tumors, acute myocardial infarction, sequelae of stroke, end-stage renal disease, etc.

In addition, there are major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting, multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver failure, sequelae of encephalitis or sequelae of mountain synovial 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.