What is the difference between mild, moderate and severe illness in critical illness insurance?

In fact, literally, the difference between mild, medium and severe disease is that the condition gradually becomes severe, severe disease is a major disease, and mild disease is a mild disease, such as early carcinoma in situ, early liver cirrhosis, mild stroke, etc.; Moderate disease is a disease that is more severe than mild disease and milder than severe disease.

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Next, the senior sister will introduce to you what is mild, moderate and severe! Don't talk nonsense, go straight to the dry goods!

Mild disease means that the degree of the disease is relatively mild, there is no serious harm, and the condition may recover quickly after standardization.

Moderate illness refers to the type of illness whose severity is between mild and critical illness, which is more severe than mild illness, but not yet critical illness, and the claim amount is between mild and critical illness.

Severe disease refers to major diseases, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc.

In addition, it should be noted that according to the relevant requirements of the China Banking and Insurance Regulatory Commission, the newly developed critical illness insurance products of insurance companies should meet the new requirements, of which the number of critical illness needs to be expanded from 25 to 28.

Under the new rules of critical illness insurance, the purchase of critical illness insurance is recommended!

And due to the hard regulations of the China Banking and Insurance Regulatory Commission, the protection of critical illness insurance on the market for critical illnesses will actually include these 28 diseases, and according to the survey, these 28 critical illnesses account for more than 95% of the high-incidence critical illnesses.

Of course, in addition to these three new severe diseases, it is also stipulated that there are three diseases that must be included in mild diseases: mild malignant tumors, mild acute myocardial infarction and mild stroke sequelae.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

1. Malignant tumors.

Malignant tumors are commonly known as cancers, and at present, major insurance companies have included extremely early malignant tumors or malignant lesions in the scope of claims for mild symptoms;

2. Acute myocardial infarction.

At present, the top three high-incidence diseases in the claims, the corresponding moderate disease is moderate acute myocardial infarction, and the mild disease is atypical myocardial infarction;

3. Sequelae of stroke.

The corresponding moderate disease is a moderate stroke, and a mild disease is a mild stroke.

Today, I will briefly sort out the relationship between the top three critical illnesses and moderate and mild illnesses in several critical illness insurances. When we choose critical illness insurance, we don't look at the terms, so we can first see if all of these diseases are covered. Whether it is possible to get a claim at an early stage of the disease.

1. Malignant tumors.

Malignant tumors are commonly known as cancers, and at present, major insurance companies have included extremely early malignant tumors or malignant lesions in the scope of claims for mild symptoms;

2. Acute myocardial infarction.

At present, the top three high-incidence diseases in the claims, the corresponding moderate disease is moderate acute myocardial infarction, and the mild disease is atypical myocardial infarction;

3. Sequelae of stroke.

The corresponding moderate disease is a moderate stroke, and a mild disease is a mild stroke.

When we talk about mild disease, we generally refer to the early state of some major diseases.

Due to the release of the new definition of critical illness insurance, the number of high-incidence critical illnesses stipulated by the CBIRC has increased from the original 25 to 28, but there is no unified industry standard for mild illnesses.

25 major diseases, specific names.

table25 critical illnesses already account for more than 95% of critical illness claimsTherefore, when we apply for critical illness insurance, it is not necessary to always pick and choose the most types of critical illnesses, we can focus on other aspects, such as health notices, exclusion clauses, etc.

The following list of high-incidence mild diseases are the ones with higher claims rates of major insurance companies in recent years

When we purchase critical illness insurance, we can refer to whether it includes the above types of high-incidence and mild diseases.

Among them, the new definition of critical illness insurance released on November 5, 2020 added three new types of mild diseases, namely mild malignant tumors, mild acute myocardial infarction and mild sequelae of stroke.

The new definition of critical illness insurance adds 3 types of critical illness and 3 types of minor illness, and the specific diseases are as follows:

The new definition of critical illness insurance adds 3 types of critical illness and 3 types of minor illness.

From the above**, we can see that the new definition of critical illness insurance has added 3 types of critical illness, namely severe chronic respiratory failure, severe Crohn's disease and severe ulcerative enteritis.

That is to say, what the CBIRC stipulatesThe 25 types of critical illness have now become 28

Mild symptoms have increasedMild malignancy, mild acute myocardial infarction, and mild stroke sequelae

Whether it's a major illness or a mild illness, the increased variety of illnesses means more comprehensive coverage.

Daddy concluded

To sum up, it is uncertain which diseases are specifically included in critical illness insurance, because there is no unified standard in the industry. When choosing a mild illness benefit, we try to choose products that contain more high-incidence mild illnesses, so that the probability of getting a claim is higher.

The 25 types of critical illnesses that are standard with critical illness insurance and their exclusions:

The types and standards of mild illness protection have not yet been mandated by the state like critical illness, so the products are mixed and uneven. The key mild symptoms are good to remember these 9:

Very early malignancy or malignancy.

Atypical acute myocardial infarction.

Coronary intervention.

Specific stroke sequelae.

Intra-aortic surgery (non-thoracotomy).

Interventional heart valve surgery (non-thoracotomy).

Pituitary tumors, brain cysts, cerebral aneurysms and cerebral hemangiomas.

Minor burns.

Severely impaired vision.

Mild illness in critical illness is very important! Not only to have, but also to choose a variety of mild diseases, can be paid multiple times, and the celery has the function of waiving insurance premiums for mild diseases! Because the prevalence and ** rate of mild diseases are higher than those of major diseases!

The so-called mild illness is not an ordinary disease, it is a serious illness that has not reached the level of a serious illness! Just look at the insurance liability, critical illness needs to meet its specified level, and if it does not reach the level of critical illness, it cannot be claimed. For example, cerebral thrombosis or cerebral infarction, if there is no post-diagnosis after 180 days, it is not covered by the claim, and if there is no mild illness, it cannot be claimed, and you have to continue to pay insurance premiums!

Of course, some insurance companies do not have a slight stroke in the mild disease, or some companies do, but they stipulate that there must be some kind of sequelae, and everything is subject to the insurance terms. Malignant tumors (cancer) are serious diseases. However, carcinoma in situ and ** cancer are not within the scope of serious diseases and are mild diseases.

The general company is collectively referred to as a very early malignant disease, which is a mild disease, but some companies are divided into three types of mild serious diseases, such as a certain An and a certain Fu, so to buy insurance, you should carefully look at the terms, and the terms can be found in the electronic version of the plan! It is important to pay attention to see whether the diseases are grouped, whether they are subdivided, and whether all common critical illnesses are covered. If the same sum insured premium is the same, the more comprehensive the protection, the better, I do not recommend spending more money to buy a critical illness with an increased sum insured, because it is better to spend more money on Chentan Town to buy more real and visible sum insured.

Whether you can get the extra amount of insurance, and how much you get, is really unknown!

Difference Between Severe Disease and Mild Disease Disease:

1.Different degrees of disease:

The definition of critical illness is the 28 diseases that must be protected under the new regulations, which are determined according to the disease definition and use specifications of major disease insurance issued by the industry slip letter association, including diseases that reach certain symptoms, disease states or surgeries. The mild disease is relatively mild, but the cost is also more than 100,000 yuan. Moderate disease is a severe illness based on mild disease.

2.Different Uniform Definitions:

Serious illness is one of the 28 diseases that must be protected; There are 3 types of diseases that must be protected for mild diseases; The insurance company does not separately divide the diseases that must be protected, it is up to the insurance company to divide it themselves.

3.The amount of compensation is different:

The general indemnity rule for critical illness is 100% of the basic sum insured; The common compensation rule for moderate illness is 50%-60%; The common compensation rule for mild illnesses is 20%-30%.

4.The number of indemnities is different:

The number of claims for critical illness is a single claim or multiple claims, with additional claims for specific critical illnesses being stacked; Moderate illness is usually paid twice, and some products have three payments; Mild illnesses are usually covered three times, and some products will be paid four times. It depends on the terms.

5. The compensation rules are different

Generally, the first compensation is made for serious illness, and mild and moderate illnesses are not covered; On the contrary, if you pay for mild or moderate illness first, it will generally not affect the compensation for major illness.

1. Theoretical difference: the severity of the disease is the degree of the land. Mild illness is mild and severe disease relative to critical illness, that is, the early symptoms of critical illness, but the disease that has not yet reached the claim standard of severe illness is called mild disease.

2. The scope of insurance products is different: critical illnesses include malignant tumors, acute myocardial infarction, major organ transplant surgery, severe cardiovascular and cerebrovascular diseases, etc. The China Insurance Regulatory Commission (CIRC) stipulates that critical illness insurance products must include 25 types of high-incidence critical illnesses.

Mild symptoms include mild stroke, very early malignant tumors or malignant lesions, atypical acute myocardial infarction, coronary intervention (non-thoracotomy surgery), etc.

3. The cost of the occurrence of the disease is different: the cost of critical illness is very expensive, and the proportion of minor illness claims for early life critical illness insurance on the market is generally about 20%-40%. The cost of a minor illness patient** is much less than that of a major illness, which is not enough to affect the patient's family life, and the threshold for minor illness compensation is lower.