In the insurance market, critical illness insurance, as an important health protection product, is no stranger to everyone. However, many consumers are faced with complex insurance terms and disease definitions before purchasing critical illness insurance, and often have questions: Are all the diseases covered by critical illness insurance high-incidence? This article will help you better understand the coverage and selection points of critical illness insurance from multiple perspectives. If you have any questions, please feel free to discuss or send a private message in the comment area.
1. Definition and function of critical illness insurance
Critical illness insurance, also known as critical illness insurance, aims to provide financial support to the policyholder in the event of a contracted critical illness. These diseases often include serious life-threatening conditions such as cancer, heart disease, stroke, etc., which are not only costly, but also have a long-term impact on the lives of patients. The role of critical illness insurance is to provide financial support to the insured in the event of a critical illness, thereby reducing the financial burden and providing important protection.
2. Types of illnesses covered by critical illness insurance
According to the regulations of the Insurance Industry Association, critical illness insurance includes 28 types of critical illnesses and 3 types of minor illnesses
Twenty-eight Critical Illnesses:
Malignancy, 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 third-degree burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery, severe chronic respiratory failure, severe Crohn's disease, severe ulcerative colitis. The three types of mild diseases that must be insured are: mild malignant tumor, mild acute myocardial infarction, and mild sequelae of stroke.
Mild Disease:
Malignancy - mild, mild acute myocardial infarction and mild stroke sequelae.
It is important to note that while critical illness insurance covers a wide range of diseases, not every disease has a high incidence. Common major diseases, such as cancer and heart disease, have a higher incidence, while some rare diseases have a lower incidence. In addition, there are many other diseases that do not have a uniform industry standard and are defined by individual insurance companies. Therefore, when choosing a critical illness insurance product, consumers should determine the appropriate coverage according to their actual situation and needs.
3. How to choose the right critical illness insurance product
Pay attention to coverage: Coverage may vary from product to product, and consumers should choose the right coverage based on their needs and budget.
Understand the definition of disease: Different products may have different definitions of disease, and consumers should carefully understand the definition of disease to ensure that the product they choose can truly meet their protection needs.
Compare premiums and protection: When choosing a product, consumers should consider the relationship between premium and protection and choose a cost-effective product.
Pay attention to updates and upgrades: With the continuous development of medical technology, new diseases and methods are constantly emerging. When choosing critical illness insurance, consumers should pay attention to product updates and upgrades to ensure that their protection can keep pace with the times.
4. Summary and Suggestions
To sum up, not all illnesses covered by critical illness insurance are high-incidence diseases. When choosing a product, policyholders should focus on the protection of high-incidence diseases. Through reasonable choices and combinations, consumers can build a solid health protection for themselves and their families. When choosing critical illness insurance, consumers need to fully understand the coverage of the product, the definition of the disease, the relationship between premiums and protection and other factors to ensure that the product selected truly meets their individual needs. In addition, with the continuous advancement of medical technology, consumers should also pay attention to the updates and upgrades of products to maintain the timeliness of protection.
Finally, it is recommended that consumers should have sufficient knowledge and consult professionals before purchasing critical illness insurance to choose the most suitable critical illness insurance product for them. At the same time, it is also important to actively maintain a healthy lifestyle and prevent diseases.