What are the critical illnesses in the Norms?

The Specification clearly requires that after the insurance industry uses a unified definition of critical illness, the coverage of adult critical illness insurance products must include 6 diseases with the highest incidence and claim rate among the 25 critical illnesses. In the future, all types of insurance called "critical illness insurance" must be able to cover at least the first 6 diseases in the catalog. Critical Illness List:

Malignancy - excluding some early-stage malignancies, acute myocardial infarction, sequelae of stroke - permanent functional impairment, major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation, coronary artery bypass grafting (or coronary artery bypass grafting) - thoracotomy required, end-stage renal disease (or chronic renal failure uremia phase) - dialysis** or kidney transplantation, loss of multiple limbs - complete severance, acute or subacute severe hepatitis, benign brain tumor - Craniotomy or radiation**, Chronic liver failure decompensated – excluding alcohol or drug abuse, sequelae of encephalitis or meningitis – permanent functional impairment, deep coma – Exclusion of liability for alcoholism, to be noted in the subheading, Blindness in both eyes – permanently irreversible, if the insurer is only liable for coverage of the insured after a certain age, in the subtitle. Paralysis - permanent and complete, heart valve surgery - thoracotomy surgery severe Alzheimer's disease - total loss of the ability to live independently, if the insurance company is only liable for coverage of the insured up to a certain age, this must be indicated in the subtitle. Severe brain injury – permanent functional impairment, severe Parkinson's disease – total loss of the ability to live independently, and if the insurance company is only liable for coverage up to a certain age, it must be noted in the subtitle.

Severe burns - up to at least 20 of the body surface area, severe primary pulmonary hypertension - with signs of heart failure, severe motor neuron disease - complete loss of the ability to live independently, if the insurance company is only liable for coverage up to a certain age, this must be indicated in the subheading. Loss of speech ability - total loss and positive for at least 12 months, if the insurance company only covers the insured after a certain age, it must be noted in the subtitle, severe aplastic anemia, aortic surgery - thoracotomy or laparotomy required. ‍‍

What are the 36 types of critical illnesses stipulated by the state Since the "Labor Law" does not clearly stipulate which is a critical illness, it is hereby implemented with reference to the "Specifications for the Use of Disease Definitions in Critical Illness Insurance" jointly formulated by the Insurance Association of China and the Chinese Medical Doctor Association. Specifically, malignant tumors, 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, chronic liver failure decompensation, encephalitis sequelae or meningitis sequelae, 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, severe aplastic anemia, aortic surgery, multiple sclerosis, transfusion-induced human immunodeficiency virus infection, vegetative, systemic lupus erythematosus, insulin-dependent diabetes mellitus (type I diabetes, primary cardiomyopathy, myasthenia gravis, acute necrotizing pancreatitis, necrotizing fasciitis, end-stage lung disease, Severe rheumatoid arthritis.

54 diseases. Uremia dialysis**, malignant tumors, organ transplantation, leukemia, hypertension with heart, brain, kidney and other complications; sequelae of stroke; Chronic cardiac insufficiency, diabetes mellitus with heart, brain, kidney, eye and other complications; idiopathic pulmonary fibrosis; bronchial asthma; , bronchiectasis; nephrotic syndrome, chronic renal insufficiency; aplastic anemia; hemolytic anemia; myelodysplastic syndromes; polycythemia vera; essential thrombocythemia; primary myelofibrosis; Henoch-Schonlein purpura complicated with nephropathy; , idiopathic thrombocytopenic purpura (primary immune thrombocytopenia); diabetes insipidus, hypercortisolism (Cushing's syndrome); primary hyperaldosteronism; rheumatoid arthritis (active phase); systemic lupus erythematosus; polyarteritis nodosa; Behcet's disease (Behcet's disease), systemic sclerosis; polymyositis; panniculitis; Epilepsy; Parkinson's disease; multiple sclerosis; myasthenia gravis; motor neuron disease; acral gangrene; avascular necrosis of the femoral head; Tuberculosis; Mentally ill; Sjögren's syndrome; autoimmune liver disease; Wilson's disease; Intracranial benign tumor complex**; chronic hepatitis B virus, cirrhosis; chronic hepatitis C virus; Postoperative comprehensive of heart, brain, and aortic vascular diseases**; Haemophilia; Acromegaly; primary pulmonary hypertension; Phenylketonuria, ankylosing spondylitis, Crohn's disease, Gaucher disease. ‍‍

Legal analysis: There are 36 major diseases stipulated by the state, namely: (1) 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); (7) Missing multiple limbs; (8) Acute or subacute severe hepatitis; (9) Benign brain tumors; (10) Decompensated period of chronic liver failure; (11) sequelae of encephalitis or meningitis; (12) 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 surgery; (26) Multiple sclerosis; (27) Human immunodeficiency virus infection caused by blood transfusion; (28) vegetative person; (29) systemic lupus erythematosus; (30) insulin-dependent diabetes mellitus (type I diabetes); (31) Primary cardiomyopathy; (32) Myasthenia gravis; (33) Acute necrotizing pancreatitis; (xxxiv) necrotizing fasciitis; (35) End-stage lung disease; (36) Severe rheumatoid arthritis.

Legal basis: Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25 The State shall establish and improve the basic medical insurance system for urban residents.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

The number of major diseases prescribed by the Ministry of Health has been changed from 24 to 36, including:

1. 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) 7. Multiple limb loss.

8. Acute or subacute severe hepatitis.

9. Benign brain tumor.

10. Decompensated stage of chronic liver failure.

11. Sequelae of encephalitis or meningitis.

12. Deep coma.

13. Deafness in both ears.

14. Paralysis.

15. Heart valve surgery.

16. Severe Alzheimer's disease.

17. Severe brain injury.

18. Severe Parkinson's disease.

19. Severe burns.

20. Severe primary pulmonary hypertension.

21. Severe motor neuron disease.

22. Loss of language ability.

23. Severe aplastic anemia.

24. Aortic surgery.

25. Severe multiple sclerosis.

26. Severe type 1 diabetes.

27. Erosive molar pregnancy (or malignant molar pregnancy).

28. Systemic lupus erythematosus complicated by severe renal impairment.

29. Severe primary cardiomyopathy.

30. Complete loss of limb function.

31. Complete loss of language ability or chewing and swallowing ability.

32. Six basic activities of daily living.

33. Accidental injury.

34. Infected with HIV or suffering from AIDS.

35. Hereditary diseases.

36. Congenital malformations, deformities or chromosomal abnormalities.

Generally, it 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.

The "Specifications for the Use of Disease Definitions in Critical Illness Insurance", which came into effect on April 3, 2007, stipulates that the insurance company will name the product as critical illness insurance, and the insurance period is mainly for adults (over 18 years old).

The scope of diseases covered by this product shall include malignant tumors, acute myocardial infarction, sequelae of stroke, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, and end-stage renal disease (or chronic renal failure uremia phase).

In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this standard; At the same time, the above-mentioned diseases shall use the disease names and disease definitions of this specification.

On September 4, 2012, the Ministry of Health stated that it would work with new rural medical measures to make the compensation level for major and extraordinarily serious diseases reach about 90%.

It is reported that the diseases included this time include severe mental illness, tuberculosis, women's cervical cancer, breast cancer, end-stage renal disease (uremia), AIDS infection and other 6 major diseases are included in the scope of insurance.

Legal Analysis: Critical illness refers to diseases that cost a lot of money and seriously affect the normal work and life of patients and their families for a long period of time, generally including: malignant tumors, severe cardiovascular and cerebrovascular diseases, surgeries requiring major organ transplantation, 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.

The main includes: malignant tumors, 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 stage), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated stage of chronic liver failure, sequelae of encephalitis or sequelae of meningitis, and deep coma.

Legal basis: Article 17 of the Insurance Law of the People's Republic of China If an insurance contract is concluded and the standard terms provided by the insurer are adopted, the insurance policy provided by the insurer to the policyholder shall be accompanied by standard clauses, and the insurer shall explain the content of the contract to the policyholder. For the clause exempting the insurer from liability in the insurance contract, the insurer shall, at the time of conclusion of the contract, make a reminder sufficient to attract the attention of the policyholder on the insurance policy, insurance policy or other insurance certificate, and make a clear explanation to the policyholder in written or oral form of the content of the clause; If there is no reminder or clear explanation, the clause shall not be effective.

Nowadays, more and more people are suffering from serious diseases. Critical illness** is notoriously expensive, but taking out critical illness insurance can be a great way to reduce medical costs. It should be noted that it must be a critical illness stipulated by the state before the critical illness insurance will reimburse.

So what are the major diseases stipulated by the state?

Critical illness refers to diseases that cost a lot of money and seriously affect the normal work and life of patients and their families for a long period of time, generally including: malignant tumors, severe cardiovascular and cerebrovascular diseases, major organ transplantation surgeries, 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. The main contents are:

Malignant tumors, 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. If you have chronic diseases or minor problems such as three highs and hepatitis B, and don't know how to buy insurance? This guide must be read below:

Latest Raiders! A comprehensive strategy for people with chronic diseases!

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, severe aplastic anemia, aortic surgery, severe multiple sclerosis, severe type 1 diabetes mellitus, erosive molar pregnancy (or malignant molar pregnancy), systemic lupus erythematosus complicated by severe renal impairment, severe primary cardiomyopathy, complete loss of limb function, Complete loss of speech or ability to chew and swallow, six basic activities of daily living, accidental injury, HIV infection or AIDS, hereditary disease, congenital malformation, deformity, or chromosomal abnormality.