The analysis is as follows:

1. The definition of critical illness insurance is based on the development of adult critical illness insurance at home and abroad and the progress of modern medicine. Therefore, this specification is applicable to critical illness insurance, mainly adults (18 years old or older) during the insurance period.

2. The diseases covered by this product should include malignant tumor, acute myocardial infarction, apoplexy sequelae, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or uremia stage of chronic renal failure) within the scope of this manual;

3, in addition to these six diseases, for other diseases within the scope of this specification, insurance companies can choose to use.

Extended data

Most critical illness insurance products contain six diseases that must be taken care of first, and the rest are freely allocated by insurance companies according to the definition of critical illness of CIRC. Therefore, when choosing, we should pay attention to personal needs and the responsibility of disease protection, and rationally allocate the protection items that suit us.

Serious illness usually requires complicated drug or surgical treatment and expensive medical expenses. The insurance money paid by critical illness insurance has two main purposes: one is to pay the high medical expenses for the insurer due to illness, illness or surgical treatment; The second is to provide financial security for the insured after illness, so that families can avoid the risk of "economic crisis" as much as possible.

References:

Baidu encyclopedia-critical illness insurance