China Ping An Insurance has 45 explanations of major insurance.

Tumor-related diseases. Acute myocardial infarction, severe primary pulmonary artery. Erosive mole. Heart membrane surgery. Severe primary cardiomyopathy. Sequelae of stroke. Coronary artery bypass grafting. Aortic surgery. Severe infective endocarditis. Severe aplastic anemia. Major organ transplant or hematopoietic stem cell transplant. Deafness in both ears.

Malignant tumors, renal failure (uremia), vital organ transplantation, quadriplegia, stroke, coronary artery bypass surgery, severe burns, aortic surgery, fulminant hepatitis, terminal disease. Severe autoimmune hepatitis. Severe diffuse systemic scleroderma. Benign brain tumors. Sequelae of encephalitis or meningitis. Deep coma. Severe Alzheimer's disease.

Severe type I diabetes. Severe third degree burns. Severe rheumatoid arthritis. Elephantiasis. HIV infection through blood transfusion. Severe muscular dystrophy.

Extended information:

If the insured becomes ill due to one of the following reasons, the insurer shall not bear insurance liability

(1) The insured or Intentional behavior of the insured

(2) The insured commits a crime or resists arrest

(3) The insured takes, inhales or injects drugs

(4 ) The insured person drives under the influence of alcohol, drives without a valid driving license, or drives a motor vehicle without a valid driving license

(5) The insured person suffers from AIDS or is infected with HIV

(6 ) Nuclear explosion, nuclear radiation or nuclear pollution

(7) Hereditary diseases, congenital malformations, deformations or chromosomal abnormalities.

China’s Ping An official website—Ping An’s major insurance clauses