Is diabetes covered by critical illness insurance?

Not necessarily. Type 1 diabetes.

It is covered by critical illness insurance, and type 2 diabetes.

It is not covered by critical illness insurance.

Compared with type 1 diabetes, type 2 diabetes can be controlled only by paying attention to diet and medication.

And if it is a disease caused by diabetes that is eligible for critical illness insurance, it is also covered by its coverage, such as:

Complications of diabetes.

Caused unipedal amputation, severe diabetic nephropathy, etc.

Diabetes is not covered by critical illness insurance, and the specific requirements depend on the provisions of the insurance contract, and the critical illness covered by each critical illness insurance product is different. Want to know what insurance products can be purchased by diabetics? The following article tells you:

The list of products that can be insured for diabetes is newly released, don't miss it when you pass by!

For example, the critical illness protection in the Versailles Plus critical illness insurance under Tongfang Global Life Insurance includes type I diabetes, insulin-dependent diabetes, diabetes complications and other critical illnesses. However, small partners should pay attention to the fact that not all these diseases will be paid, and some diseases need to meet certain conditions. For example, type I diabetes or insulin-dependent diabetes requires you to meet one of the two criteria: pacemaker-implanted** heart disease or unifoot amputation of the ankle or above.

What else do you want to know about insurance? Take a look at the following article: Super Complete!

Everything you need to know about insurance is here.

If you have diabetes and want to buy critical illness insurance, then you need to analyze the situation on a case-by-case basis. For example, if the diabetes condition is relatively mild and the small partner in the early stage is in the early stage, it is possible to be able to apply for critical illness insurance. We all know that when applying for critical illness insurance products, you need to go through health notification, and the health notification of critical illness insurance is relatively strict.

For us, it would be better to choose critical illness insurance with more relaxed health notices, so that the probability of our insurance success will generally be higher. Senior sister here has compiled a list of critical illness insurance products with loose health notices, and interested partners can learn about: Top 10 [Loose Health Notices] Critical Illness Insurance Points!

Summary. Hello, diabetes does not necessarily fall under critical illness insurance, because there is also a difference between mild, moderate, and severe diabetes.

Mild to moderate diabetes is not covered by critical illness insurance, and it is called critical illness only if severe diabetes is severe and causes related complications.

Therefore, it depends on the current physical condition and diagnosis.

Is diabetes covered by critical illness insurance?

Hello, diabetes does not necessarily fall under the coverage of critical illness insurance, because there is also a difference between mild, moderate and severe diabetes. Mild to moderate diabetes is not covered by critical illness insurance, and it is called critical illness only if severe diabetes is severe and complications that cause relevant clearance searches. Therefore, it depends on the current physical condition and diagnosis.

Type II. Dear, I'll give you another answer. This will take at least three minutes, so please be patient and give it about three minutes.

Type 2 diabetes is a chronic disease, and other serious complications caused by type 2 diabetes are critical illnesses If it is just type 2 diabetes, it can be controlled through regular diet and exercise, and it is not a critical illness.

Chinese life insurance has, but there are degree requirements.

Scope of application of critical illness insurance:

If the insurance company names the product as critical illness insurance, and the insurance period is mainly for adults (over 18 years old), the scope of diseases covered by the 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 stage).

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.

According to the diseases that must be insured by the CBIRC, diabetes is not within the scope of critical illness insurance, but it is not excluded that some products will protect diabetes, so it is necessary to look at the specific protection content to know.

Although the diagnosis of ordinary diabetes critical illness insurance will generally not pay, if the diabetes worsens and develops into a serious illness or mild illness, if the conditions for critical illness insurance are met, Yu Tong can be paid.

For example, if diabetes causes serious illnesses such as coronary heart disease and myocardial infarction, you can get compensation after meeting the claim criteria.

In order to help you buy a good critical illness insurance, senior sister will tell you about the precautions for buying critical illness insurance.

Since not all illness critical illness insurance will be insured, some partners may think that the more diseases covered by critical illness insurance, the better, but this is not the case.

The more diseases covered by critical illness insurance, the better, but the amount of high-incidence diseases covered is the key. You must know that the 28 critical illnesses that must be insured by the China Banking and Insurance Regulatory Commission have covered more than 95% of the critical illness claims, and some products have added some uncommon diseases to it, and even increased to hundreds, the probability of actual use is not high, but it may also make the premium more expensive.

Whether a critical illness insurance is good or not should be judged from these aspects:A good critical illness insurance policy looks like this! You've been lied to for so many years.

That's all there is to it, and in general, diabetes is not necessarily covered by critical illness insurance. However, if complications are caused and it is covered by critical illness insurance, you can still get a claim if you meet the conditions for compensation. Hope.

Hello! The types of diseases covered by each insurance company are different for critical illness insurance products in commercial insurance, and diabetes is divided into types and types, and only when it reaches the level of type diabetes, it can be regarded as a critical illness. Some critical illness insurance policies include type diabetes, such as Taiping Life Insurance (non-Pacific) Fuyou Jinsheng.

Hope it helps!

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