As long as you have a contracted illness, so critical illness insurance will cover the cost. Therefore, what kind of diseases are covered by this critical illness insurance is naturally very important. Of course, serious illness is the core, but insurance companies can't play tricks here.

As early as 2007, the industry uniformly defined 25 statutory serious diseases. These 25 critical illnesses account for about 95 per cent of critical illness claims, and most of the other serious illnesses are fabricated.

 Critical illness insurance is a combination of secondary benefits for major illness, moderate illness, minor illness and cancer, secondary benefits for cardiovascular disease and death/total disability.  According to insurance company statistics, once a serious illness occurs, the incidence of these 6 high-incidence diseases accounts for 90%

These serious diseases cover the highest and most core diseases, and there is no essential difference between everyone; Therefore, in the case of a serious illness, we do not need to worry too much.

Many salespeople like to brag that their products are looser in definition and friendlier to policyholders.

In fact, the definition of major serious illness is unified, there is no loose situation in your family, my family is strict!

However, there is no uniform standard for mild to moderate symptoms, and insurance companies only stipulate 3 types of high incidence mild diseases: malignant tumors - mild, mild acute myocardial infarction, mild stroke sequelae, all critical illness insurance must be included, and even the compensation standards must be consistent.

But in reality, there are far more mild cases, but as many as a dozen speciesTherefore, we should pay attention to whether these 12 high-incidence diseases are fully covered.

 In addition, various medical expenses may be incurred during the patient's illness, such as accidents that require hospitalization or surgery, but cannot be covered if these expenses do not lead to critical illness as agreed in critical illness insurance.

What's more, it is very unwise and uneconomical to use critical illness insurance to pay for medical expenses. Because critical illness insurance has a much lower leverage than medical insurance. Critical illness insurance is 500,000 yuan insured, and the annual premium is several thousand yuan or even tens of thousands of yuan, and the premium is often only 1/10 of the critical illness insurance.

Therefore, in general, the division of labor between medical insurance and critical illness insurance is very clear - medical insurance manages medical expenses during illness, and critical illness insurance is equivalent to the work expenses lost during illness and compensates for income.

Moreover, critical illness insurance is a life insurance policy, the effect of which is not the end of life, on the contrary, it stands on the same front with the insured to fight the disease together. Critical illness insurance is a life insurance policy, the effect of which is not the end of life, on the contrary, it stands on the same front with the insured to fight the disease together. When the insured is unlucky

The insured is unluckyIf you have a critical illness, you can apply for a claim by presenting a certificate of diagnosis and relevant documents. If you have a critical illness, you can apply for a claim by presenting a certificate of diagnosis and relevant documents. The insured can use this claim to receive the most favorable treatment, thereby prolonging the precious life.

（Writer：Tous）