Why do insurance companies only cover diseases that are dying? This is the complaint of many netizens, in fact, this is a misunderstanding of many people. First of all, insurance companies have many types of insurance, among which there are both small diseases, such as door-based diagnosis and major diseases, you just stare at the insurance that only protects serious diseases, and then complain about how not to protect minor diseases, aren't you sick?
Different insurance companies have different protection responsibilities for insurance types. In medical insurance, there are those who cover minor illnesses, there are also major illnesses, and there are also major illnesses and minor illnesses, depending on which one you specifically insure. Because the premium is different for different diseases. Critical illness insurance is referred to as critical illness insurance, and the name is known to only cover critical diseases.
What is a major illness? Any disease that causes the temporary or permanent loss of labor is called a major disease. Permanent loss such as stroke, sequelae, severe cardiomyopathy, etc. are also called severe disease. That is, some netizens say that they are dying, and temporary loss of ability to work, such as intermittent cerebral infarction, third-degree anti-theft transmission organization, etc., are also called mild or severe diseases.
These diseases are not dying diseases, you can even not be treated, and the consequence of not treating them is that sooner or later they will develop into diseases that are dying. Therefore, mild or moderate diseases are also considered major diseases, and major illness insurance is responsible. For a working family, getting Xiaoding disease needs more help, and having a serious disease is a disease that is about to die.
Do you see the conditions described by those who owe money on so-and-so, there are colds, fevers, inflammation? Are they basically leukemia, malignant tumors, severe coronary heart disease, and serious brain damage? Because of this, insurance companies put many high-incidence and some rare diseases into critical illness insurance contracts.
In this way, when people have such a serious disease, they can get financial support from insurance companies. Of course, if you want to get support from the insurance company for minor illnesses, then the insurance company also provides insurance for minor illnesses. Of course, insurance that protects minor illnesses is not called clown, but medical insurance with outpatient clinics. Because major illnesses are seen in hospital, only minor illnesses are seen in the outpatient clinic.
Of course, there is also medical insurance with hospitalization liability, which is to manage serious diseases, including the often said million medical treatment. It should be noted that medical insurance is reimbursed, only reimbursing expenses within the hospital, while critical illness insurance is an unlimited use of money. So, those who say that insurance companies only cover diseases that are dying are just complaining within their own cognition.
