No, the critical illness does not include the uterus, the details are as follows:

Guangfa Credit Card Critical Illness Insurance Details

The critical illness referred to in this agreement , is the insured person’s disease, disease state or operation that meets the conditions described in the following definitions, ***30 types, of which the first to the twenty-fifth are the "Diseases for Critical Illness Insurance" formulated by the China Insurance Industry Association Definition of diseases listed in the Code of Use. The names and definitions of major diseases are as follows:

1. Malignant tumors

Refer to the uncontrolled progressive growth and spread of malignant cells, infiltration and destruction of surrounding normal tissues, which can occur through blood vessels, A disease that spreads from lymphatic vessels and body cavities to other parts of the body. The diagnosis was confirmed by pathological examination results, and the clinical diagnosis fell into the category of malignant tumors according to the World Health Organization's International Statistical Classification of Diseases and Related Health Problems (ICD-10).

The following diseases are not covered by the coverage:

(1) Carcinoma in situ;

(2) Chronic lymphocytes equivalent to stage A of the Binet staging scheme Leukemia;

(3) Hodgkin's disease equivalent to stage I of the Ann Arbor staging scheme;

(4) Skin cancer (excluding malignant melanoma and metastases) skin cancer);

(5) Prostate cancer with TNM stage T1N0M0 or less;

(6) Malignant tumors developed during infection with HIV or AIDS.

2. Acute myocardial infarction

Refers to partial myocardial necrosis caused by insufficient blood supply to the corresponding area due to coronary artery obstruction. At least three of the following conditions must be met:

(1) Typical clinical manifestations, such as acute chest pain, etc.;

(2) Recent electrocardiogram changes suggest acute myocardial infarction;

(3) Cardiac enzymes or troponin have diagnostic significance, or show dynamic changes consistent with acute myocardial infarction;

(4) 90 days after the onset, left ventricular function is confirmed by examination Decreased, such as left ventricular ejection fraction below 50.

3. Stroke sequelae

Refers to cerebral blood vessel hemorrhage, embolism or infarction caused by sudden changes in cerebral blood vessels, and leads to permanent dysfunction of the nervous system. Permanent dysfunction of the nervous system refers to one or more of the following disorders still remaining 180 days after the disease is diagnosed:

(1) Complete loss of function of one or more limbs (Note 1);

(2) Complete loss of language ability or chewing and swallowing ability (Note 2);

(3) Complete loss of independent living ability and inability to independently complete six basic activities of daily living (Note 2) Three or more of 3).

4. Major organ transplantation or hematopoietic stem cell transplantation

Major organ transplantation refers to an allogeneic transplantation of kidney, liver, heart or lungs due to failure of the corresponding organ. Operation.

Hematopoietic stem cell transplantation refers to an allogeneic transplantation of hematopoietic stem cells (including bone marrow hematopoietic stem cells, peripheral blood hematopoietic stem cells and cord blood hematopoietic stem cells) due to damage to hematopoietic function or malignant tumors of the hematopoietic system.

5. Coronary artery bypass grafting (or coronary artery bypass grafting)

Refers to the actual implementation of coronary artery bypass surgery through thoracotomy to treat severe coronary heart disease. Transplant surgery.

Coronary artery stent implantation, cardiac catheter balloon dilatation, laser radiofrequency technology and other non-thoracotomy interventional surgeries and laparoscopic surgeries are not covered by the coverage.

6. End-stage renal disease (or chronic renal failure uremic stage)

Refers to the chronic irreversible failure of both kidneys, reaching the uremic stage, and has been treated after diagnosis Regular dialysis treatment for at least 90 days or a kidney transplant.

7. Multiple limb loss

Refers to the complete loss of two or more limbs from the proximal end of the wrist or ankle joint (near the trunk end) due to disease or accidental injury. Disconnect.

8. Acute or subacute severe hepatitis

Refers to diffuse necrosis of liver tissue caused by hepatitis virus infection, leading to acute liver failure, and is confirmed by serology or virology examination. And all the following conditions must be met:

(1) Severe jaundice or rapid worsening of jaundice;

(2) Hepatic encephalopathy;

(3) B-ultrasound Or other imaging examinations show rapid shrinkage of liver volume;

(4) Progressive deterioration of liver function indicators.

9. Benign brain tumors

Refers to benign tumors of the brain that have caused increased intracranial pressure, with clinical manifestations such as papilledema, mental symptoms, epilepsy, and motor and sensory impairment, etc. Life-threatening. It must be confirmed by imaging examinations such as cranial tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET), and must meet at least one of the following conditions:

( 1) Actual implementation of complete or partial resection of brain tumors through craniotomy;

(2) Actual implementation of radiation therapy for brain tumors.

Pituitary tumors, brain cysts, and cerebrovascular diseases are not covered by the insurance.

10. Decompensated phase of chronic liver failure

Refers to liver failure due to chronic liver disease. All the following conditions must be met:

(1) Persistent jaundice;

(2) Ascites;

(3) Hepatic encephalopathy;

(4) Congestive splenomegaly accompanied by hypersplenism or esophageal and gastric varices.

Liver failure due to alcohol or drug abuse is not covered.

11. Sequelae of encephalitis or meningitis

Refers to the permanent dysfunction of the nervous system caused by encephalitis or meningitis. Permanent dysfunction of the nervous system refers to one or more of the following disorders still remaining 180 days after the disease is diagnosed:

(1) Complete loss of function of one or more limbs (Note 1);

(2) Complete loss of language ability or chewing and swallowing ability (Note 2);

(3) Complete loss of independent living ability and inability to independently complete six basic activities of daily living (Note 2) Three or more of 3).

12. Deep coma

Refers to the loss of consciousness due to disease or accidental injury, which is unresponsive to external stimulation and internal needs. The degree of coma is based on the Glasgow coma scale (Glasgow coma

scale) result is 5 points or less, and the ventilator and other life support systems have been continuously used for more than 96 hours.

Deep coma caused by alcohol or drug abuse is not covered.

13. Binaural deafness

Refers to the permanent irreversible (Note 4) loss of hearing in both ears due to disease or accidental injury, at the speech frequencies of 500 Hz, 1000 Hz and 2000 Hz. , the average hearing threshold is greater than 90 decibels, and it is confirmed by pure tone hearing test, acoustic impedance test or auditory evoked potential test.

14. Binocular blindness

Refers to the permanent and irreversible (Note 4) loss of vision in both eyes due to disease or accidental injury. The better eye of both eyes must meet at least one of the following conditions:

(1) The eyeball is missing or removed;

(2) The corrected visual acuity is less than 0.02 (international standard eye chart is used, if other eye charts are used, conversion should be made);

(3) The field of view radius is less than 5 degrees.

15. Paralysis

Refers to the permanent and complete loss of function of two or more limbs due to disease or accidental injury. Permanent and complete loss of limb function means that 180 days after the diagnosis of the disease or 180 days after the accidental injury, two of the three major joints of each limb are still completely stiff, or cannot move with consciousness.

16. Heart valve surgery

Refers to the actual implementation of heart valve replacement or repair surgery through thoracotomy to treat heart valve disease.

17. Severe Alzheimer's disease

Refers to severe decline or loss of intelligence due to progressive and irreversible changes in the brain, with clinical manifestations of obvious cognitive impairment and behavioral abnormalities. and reduced social skills, and their daily lives must be constantly supervised by others. It must be confirmed by imaging examinations such as cranial tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET), and the ability to live independently is completely lost and cannot independently complete six basic activities of daily living ( Note 3) Three or more items.

Neurosis and mental illness are not covered.

18. Severe brain injury

It refers to the damage to important parts of the brain caused by mechanical external force on the head, resulting in permanent dysfunction of the nervous system. It must be confirmed by imaging examinations such as cranial tomography (CT), magnetic resonance imaging (MRI) or positron emission tomography (PET). Permanent dysfunction of the nervous system refers to one or more of the following disorders still remaining 180 days after brain injury:

(1) Complete loss of function of one or more limbs (Note 1);

(2) Complete loss of language ability or chewing and swallowing ability (Note 2);

(3) Complete loss of independent living ability and inability to independently complete six basic activities of daily living (Note 2) Three or more of 3).

19. Severe Parkinson's disease

It is a degenerative disease of the central nervous system, with clinical manifestations such as paralysis tremors and ataxia. All the following conditions must be met:

(1) The condition cannot be controlled by drug treatment;

(2) The ability to live independently is completely lost and the six basic activities of daily living cannot be completed independently (Note 3 ) three or more of them.

Secondary parkinsonism is not covered.

20. Severe third-degree burns

Refers to third-degree burns, and the area of ??third-degree burns reaches 20% or more of the total body surface area. Body surface area was calculated according to the "China's New Nine-Point Rule".

21. Severe primary pulmonary hypertension

Refers to a chronic disease caused by an unexplained persistent increase in pulmonary artery pressure and progressive development, which has caused permanent irreversible impairment of physical activity. Restricted, reaching New York Heart Association cardiac functional status class IV, and the mean pulmonary artery pressure at rest exceeds 30mmHg.

22. Severe motor neuron disease

It is a group of progressive degenerative diseases of motor neurons in the central nervous system, including progressive spinal muscular atrophy, progressive bulbar palsy, Primary lateral sclerosis, amyotrophic lateral sclerosis. Must meet the conditions of complete loss of independent living ability and inability to independently complete three or more of the six basic activities of daily living (Note 3).

23. Loss of language ability

Refers to the complete loss of language ability due to disease or accidental injury. After active treatment for at least 12 months (complete removal of vocal cords is not subject to this time limit), the person still has the ability to speak. It cannot be restored by existing medical treatments.

Loss of language ability caused by mental and psychological factors is not covered by the coverage.

24. Severe aplastic anemia

Refers to anemia, neutropenia and thrombocytopenia caused by chronic and persistent failure of bone marrow hematopoietic function. All the following conditions must be met:

(1) The results of bone marrow puncture or bone marrow biopsy support the diagnosis;

(2) The peripheral blood picture must meet the following three conditions:

① The absolute value of neutrophils is ≤0.5×109/L;

② The absolute value of reticulocytes is <1;

③ The absolute value of platelets is ≤20×109/L.

25. Aortic surgery

Refers to the actual implementation of thoracotomy or laparotomy to remove, replace, and repair damaged aortic blood vessels in order to treat aortic disease. Aorta refers to the thoracic aorta and abdominal aorta, excluding the branch vessels of the thoracic aorta and abdominal aorta.

Intra-arterial angioplasty is not covered.

26. Craniotomy for cerebral aneurysm

Refers to the fact that a craniotomy has been performed to clip, repair or remove a cerebral aneurysm. But it does not include catheter and endovascular surgery

27. Severe multiple sclerosis

refers to irreversible functional impairment of body parts caused by demyelination of the central nervous system, which requires A neurologist will provide a clear diagnosis and a diagnostic report with CT or MRI results. The so-called irreversible body part dysfunction refers to the dysfunction lasting more than 180 days after the initial diagnosis. The diagnosis must include all of the following:

1. Clinical manifestations caused by damage to the optic nerve, brainstem, and spinal cord;

2. Multiple sporadic physical damage;

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3. Medical records of recurrence, worsening of the above symptoms, and neurological damage.

28. Systemic lupus erythematosus complicated by lupus nephritis

Refers to a multi-system, multi-factor autoimmune disease characterized by the production of autoantibodies against various autoantigens. Systemic lupus erythematosus referred to in this contract is limited to systemic lupus erythematosus complicated by lupus nephritis, thus causing renal damage. The lupus nephritis referred to in this contract refers to the third, fourth and fifth types of lupus nephritis classified by the World Health Organization (WHO) that meet the following specifications, and are also subject to renal biopsy. Confirmed.

World Health Organization (WHO) classification criteria for lupus nephritis:

Type 1 - mild disease lupus glomerulonephritis

Second Type - mesangial proliferative lupus glomerulonephritis

Type III - focal and segmental proliferative lupus glomerulonephritis

Type IV - diffuse Proliferative lupus glomerulonephritis

Type 5 - membranous lupus glomerulonephritis with extensive glomerular basement membrane thickening

29. Severe myasthenia gravis

Refers to an autoimmune disease that causes transmission disorders at the junction of nerves and muscles. The clinical feature is that local or systemic striated muscles are prone to fatigue and weakness during activity. The cranial nerves and extraocular muscles are most likely to be involved, and breathing may also be involved. muscles, proximal muscle groups of lower limbs and even body muscles. All the following conditions must be met:

(1) The condition cannot be controlled by medication or thymus surgery for more than one year, and the ability to work normally is lost;

(2) Eyelid ptosis or medulla oblongata occurs Dysarthria, choking and coughing caused by muscle involvement, or a critical state in which the body's respiratory function is abnormal due to muscle weakness involving the bulbar muscles and respiratory muscles, that is, myasthenic crisis;

(3) Symptom relief , recurrence and exacerbation occur alternately, and a history of clinical treatment with neostigmine and other anticholinesterase drugs.

30. End-stage lung disease

Refers to chronic respiratory failure, which must meet all the following conditions:

(1) The FEV1 of the lung function test is consistently lower than 0.75 liter;

(2) The patient's hypoxia must be treated with extensive and continuous oxygen delivery;

(3) The partial pressure of oxygen in arterial blood gas analysis is lower than 55mmHg.

When making a claim, the corresponding hospital certification documents or inspection reports for the above items must be provided.