What does critical illness insurance cover?

The diseases of critical illness insurance include serious illness, mild illness and moderate illness. These include:

1, critical illness insurance has 28 diseases that must be taken care of. There are malignant tumors-severe acute myocardial infarction, severe stroke sequelae, major organ transplantation, hematopoietic stem cell transplantation, coronary artery bypass grafting, severe chronic renal failure, multiple limb loss, acute severe hepatitis or subacute severe hepatitis, severe non-malignant intracranial tumor, severe chronic liver failure, severe encephalitis sequela's or severe meningitis sequelae, deep coma, deafness in both ears, blindness, paralysis, heart valve surgery, Severe Alzheimer's disease, severe brain injury, severe primary Parkinson's disease, severe third-degree burns, severe idiopathic pulmonary hypertension, severe motor neuron disease, language loss, severe aplastic anemia, aortic surgery, severe chronic respiratory failure, severe Crohn's disease and severe ulcerative colitis. The above-mentioned 28 major diseases are listed in the definition and use standard of critical illness insurance revised in 2020 formulated by the insurance industry association. In addition to the prescribed 28 kinds of critical illness insurance, other kinds of diseases are added by insurance companies themselves.

2. There are three kinds of mild diseases that must be guaranteed, including mild malignant tumor, mild acute myocardial infarction and mild stroke sequelae, and other types of mild diseases are supplemented by insurance companies.

3. Types of diseases In diseases, critical illness insurance is divided separately, and some critical illness insurance does not. For example, China's disease in China Life Edition includes heart valve intervention, mild brain injury, hepatectomy, vena cava filter implantation, mild encephalitis sequela or meningitis sequelae, moderate muscular dystrophy, pericardiectomy, unilateral pneumonectomy, vascular interventional therapy for specific peripheral artery stenosis, unilateral nephrectomy, bilateral ovariectomy or testicular resection, carotid angioplasty or endarterectomy, idiopathic pulmonary hypertension, moderate motor neuron disease, moderate rheumatoid arthritis and moderate ulcerative colitis.