The "critical illness" covered by critical illness insurance usually has the following two basic characteristics: First, the "serious illness" will seriously affect the normal work of the patient and his family for a long period of time. and life; secondly, "treatment is expensive". Such diseases require relatively complex drug or surgical treatment, and the medical expenses incurred are huge. Therefore, it is necessary to purchase critical illness insurance. So what are the country’s regulations on critical illness insurance contracts? Next, let’s find out together!
What are the country’s regulations on critical illness insurance contracts?
Critical illness insurance refers to the insured person’s occurrence within the scope of the insurance contract during the insurance period. A health insurance product in which the insurance company will pay insurance benefits when the patient becomes ill, reaches a specified disease state, or undergoes an agreed surgery. The disease names, disease definitions, exclusions and terminology definitions in critical illness insurance clauses should comply with the specific provisions of relevant national laws and regulations.
1. Disease names
my country's first "Regulations on the Use of Disease Definitions for Critical Illness Insurance" jointly formulated by the China Insurance Industry Association and the Chinese Medical Doctors Association clearly requires the insurance industry to use After the unified definition of critical illness and critical illness, the coverage of critical illness and critical illness insurance products for people over the age of 18 must cover malignant tumors with the highest incidence and claims rates among the 25 major diseases (excluding some early malignant tumors) Tumor); Acute myocardial infarction; Stroke sequelae (permanent dysfunction); Major organ transplantation or hematopoietic stem cell transplantation (allogeneic transplantation required); Coronary artery bypass grafting (or coronary artery bypass grafting, required) Thoracic surgery); end-stage renal disease (or uremic stage of chronic renal failure, requiring dialysis treatment or kidney transplant surgery) 6 diseases. What are some good critical illness and critical illness insurance recommendations? I have just compiled the relevant content. I hope it will be helpful to you: an inventory of popular critical illness and critical illness insurance policies from the top ten insurance companies that are “worth buying”!
In addition to these six diseases, insurance companies may choose whether to use other diseases within the scope of this standard at their discretion; at the same time, the above-mentioned diseases must use the disease names and disease definitions in this standard. Based on market demand and experience data, each insurance company can add other types of diseases beyond the scope of this standard disease to its critical illness insurance products and formulate relevant definitions on its own. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country
2. Exclusions
If the insured develops a disease, reaches a disease state or undergoes surgery due to one of the following circumstances, the insurance company will not bear the insurance Liability:
Intentional killing or intentional injury of the insured by the policy holder or beneficiary; intentional self-injury, intentional crime or resisting arrest by the insured; taking, smoking or injecting drugs by the insured; Drunk driving, driving without a legal and valid driving license, or driving a motor vehicle without a valid driving license; the insured being infected with HIV or AIDS; war, military conflict, riot or armed rebellion; nuclear explosion, nuclear radiation or nuclear pollution; Genetic diseases, congenital malformations, deformations or chromosomal abnormalities.
Purchase critical illness insurance based on your needs. Before you make a decision to purchase a critical illness insurance product, especially before signing your name on the insurance contract, you must carefully read the insurance contract. terms, so as to effectively reduce the occurrence of subsequent disputes.
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