What is considered a critical illness? What are the diseases of major diseases?

Major diseases generally include malignant tumors, cardiac diseases, brain and nerve diseases, and severe visceral diseases. Critical illness generally refers to the disease that causes great harm to the patient's body, and is difficult and difficult, and it includes the following:

Malignant tumors: liver cancer, lung cancer, breast cancer, pancreatic cancer, gastric cancer, bowel cancer, esophageal cancer, nasopharyngeal cancer, etc.

Cardiogenic disease: common in severe coronary heart disease, acute myocardial infarction, dilated cardiomyopathy, hypertrophic obstructive cardiomyopathy, acute and chronic heart failure, myocarditis.

Brain and neurological diseases: such as cerebral infarction, cerebral hemorrhage, brain trauma, encephalitis, meningitis, intracranial tumors; Guillain-Barré syndrome, motor neuron disease, Alzheimer's disease and other neurological diseases.

Severe visceral diseases: such as fulminant hepatitis, acute severe pancreatitis.

Major diseases include the following: (1) Neoplastic diseases: such as lung cancer, gastric cancer, liver cancer, gallbladder cancer, periampullary cancer, pancreatic cancer, colon cancer, rectal cancer, prostate cancer, breast cancer, thyroid cancer, glioblastoma, leukemia, lymphoma, nasopharyngeal cancer, bone malignant tumors, etc.

2) Cardiovascular diseases: acute myocardial infarction, heart failure, valvular heart disease requiring valve replacement surgery**, dilated cardiomyopathy, congenital heart disease such as tetralogy of Fallot, coronary artery bypass surgery, etc. (3) Cerebrovascular diseases:

Large-scale cerebral infarction or cerebral hemorrhage resulting in limb hemiplegia or language dysfunction, and inability to take care of oneself. (4) Renal failure and uremia. (5) Sequelae of meningitis, etc.

1. Malignant tumors - excluding 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) - more than 7 limbs are missing due to dialysis** or kidney transplantation - complete severance.

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 - permanent and irreversible.

Note: If the insurance company only covers the insured after a certain age, it must be indicated in the subheading.

15. Paralysis - permanent completeness.

16. Heart valve surgery - thoracotomy is required.

17. Severe Alzheimer's disease - complete loss of the ability to live independently.

Note: If the insurance company only covers the insured up to a certain age, it must be indicated in the subtitle.

18. Severe brain injury - permanent functional impairment.

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

Note: If the insurance company only covers the insured up to a certain age, it must be indicated in the subtitle.

20. Severe burns - at least 20% of the 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.

Note: If the insurance company only covers the insured up to a certain age, it must be indicated in the subtitle.

23. Loss of language ability - complete loss and positive for at least 12 months.

Note: If the insurance company only covers the insured after a certain age, it must be indicated in the subheading.

24. Severe aplastic anemia.

25. Aortic surgery - thoracotomy or laparotomy is required.

There are 12 common major diseases:

1. Acute myocardial infarction accompanied by decreased cardiac function. Clause.

2. The sequelae of stroke are accompanied by complete loss of limb muscle strength and loss of language function. Clause.

3. Patients after major organ transplantation or stem cell transplantation. Clause.

4. Those who underwent coronary artery bypass grafting.

5. Multiple limb missing. Clause.

6. Acute subacute or severe hepatitis. Clause.

7. Patients with acute tumors or malignant tumors. Clause.

8. Decompensated period of chronic liver failure. Clause.

9. Late stage of renal function and decompensation. Clause.

10. Severe Alzheimer's disease. Clause.

Ten. 1. Severe Parkinson's disease. Clause.

Ten. 2. Severe primary pulmonary hypertension.

Major diseases include malignant tumors, acute myocardial infarction, sequelae of stroke, vital organ transplantation, end-stage renal disease, sequelae of encephalitis, heart valve surgery, severe Parkinson's disease, severe aplastic anemia, primary cardiomyopathy, malignant molar pregnancy, AIDS, brain injury, acute or subacute severe hepatitis, coronary artery bypass grafting, chronic liver failure and degeneration, severe Alzheimer's disease, severe primary pulmonary hypertension, severe motor neuron disease, etc.

It generally includes malignant tumors, severe cardiovascular and cerebrovascular diseases, major organ transplant surgery, injuries and illnesses that may cause lifelong disability, advanced chronic diseases, deep coma, permanent paralysis, severe brain injury, severe Parkinson's disease, and severe mental illness.

What diseases are considered critical illnesses, and critical illnesses include your general very serious diseases. General surgery costs and all aspects of the operation. Surgery. His money is more than 50,000 yuan, all of which belong to the night and major diseases.

It is an incurable disease, and an uncontrollable disease such as cancer is a major disease.

There are many major diseases, such as malignant tumors, severe brain injury, blindness, paralysis, acute myocardial infarction, sequelae of stroke, severe Alzheimer's disease, severe burns, acute or subacute severe hepatitis, severe aplastic anemia, deep coma, multiple limb loss, severe Parkinson's disease, heart valve surgery, etc.

When you first come across critical illness insurance, many people find it particularly complicated. What exactly does critical illness insurance cover? Due to the increasing number of critical illness products in the industry, it is easy to fall into the "pit" if you blindly buy critical illness insurance without knowing anything about it.

In fact, major diseases include the following diseases:

First of all, major diseases refer to diseases that cost a lot of medical treatment and seriously affect the normal work and life of patients and their families for a long period of time, as well as advanced chronic diseases, deep coma and severe mental illness.

Secondly, the Insurance Industry Association has formulated the disease standards for critical illness insurance, and unified the regulation of 28 common critical illnesses, including 12 critical illnesses that are diagnosed and claimed, five critical illnesses that claim after taking specific means, and eight critical illnesses that are claimed after reaching a certain state, as well as three new versions of the definition of critical illnesses and 3 new critical illnesses, such as acute myocardial infarction, sequelae of stroke, end-stage renal disease and other critical illnesses.

According to the big data of past claims, 28 critical illnesses can even account for 95%, and these diseases are the core of critical diseases.

Critical illness insurance can provide sufficient protection for families, and you can choose the right insurance based on your own reality. In fact, it is really not difficult to buy insurance, don't be pitted, if you don't want to step on the pit, you can click below to test these harmful living habits to see if you have it? Get a risk protection plan to help you better combat health risks.

Critical illness refers to the disease that costs a lot of money to treat and seriously affects the normal work and life of the patient and his or her family for a long period of time, and is generally divided into six categories, including:

1. Diseases related to malignant tumors, 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 and aortic dissection;

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

4. Diseases related to severe impairment of organ function, such as biliary reconstruction surgery, blindness, etc.;

5. Respiratory-related diseases, such as severe asthma and severe chronic respiratory failure;

6. Other major diseases, such as rubberism, pheochromocytoma, etc.

Critical illness usually has the following characteristics:

1. The patient is seriously ill, which seriously affects the normal work and life of the patient and his family for a long period of time;

2. It is expensive, requires more complex drugs or surgeries**, and needs to pay expensive medical expenses;

3. The prognosis is poor, the disease lasts for a long time, the recovery may be small, and even requires a lifetime**.

In short, people suffering from major illnesses need short-term huge medical expenses and long-term **** expenses, and they will not be able to work or even live for life in the next few years. The role of critical illness insurance is to provide the cost of treatment and later recuperation, and make up for the loss of income after illness.

In 2020, the Insurance Association of China further revised the Definition and Use Specifications for Critical Illness Insurance, which determined the definition and content of 28 severe diseases and 3 mild diseases that should be included in critical illness insurance.

"Serious illness" in the eyes of doctors, "critical illness insurance" in medical insurance, and "critical illness" in commercial insurance are different concepts. "Serious illness" in the eyes of doctors is often a broad concept, and each doctor's medical level and cognitive concept are different, and the definition of serious illness will be different. The "serious illness insurance" of medical insurance is a supplement to the national basic medical insurance, not specifically referring to a certain disease, but when the amount of personal medical expenses reaches a certain amount, the remaining medical expenses will continue to be reimbursed through the serious illness insurance, which is a kind of expense compensation medical insurance for supplementary reimbursement of medical expenses.

Therefore, these two are completely different from the "critical illness" of commercial insurance.

Whether the critical illness insurance of commercial insurance can be paid is not judged according to "how much money was spent, what the doctor said, how the medical insurance is defined", etc., but should be reviewed in accordance with the specific provisions of the terms of the critical illness insurance contract insured, and only when the diagnosed disease, disease state or surgery meets the detailed provisions of the insurance terms, the critical illness can be paid.

a) malignant tumors; (2) Acute myocardial infarction; (3) sequelae of stroke; (4) Major organ transplantation or hematopoietic stem cell transplantation; (5) Coronary artery bypass grafting (or coronary artery bypass grafting); (6) End-stage renal disease (or chronic renal failure uremia stage);

vii) multiple limb missing; (8) Acute or subacute severe hepatitis; (9) Benign brain tumors; (10) Decompensated period of chronic liver failure; (11) sequelae of encephalitis or meningitis; (10 deficits 2) deep coma; (13) Deafness in both ears; (14) Blindness; (15) Paralysis; (16) Heart valve surgery; (17) Severe Alzheimer's disease; (18) Severe brain injury;

19) severe Parkinson's disease; (20) Severe burns; (21) Severe primary pulmonary hypertension; (22) Severe motor neuron disease; (23) loss of language ability; (24) Severe aplastic anemia; (25) Aortic manual examination; (26) severe multiple sclerosis;

27) severe type 1 diabetes mellitus; (28) erosive molar pregnancy (or malignant molar pregnancy); (29) Systemic lupus erythematosus complicated by severe renal impairment; (30) Primary cardiomyopathy with severe defeat. The description and diagnosis of the relevant diseases shall be subject to the provisions in the terms.