As for the risk of critical illness in life, many friends will feel frightened when they mention it.
As an insurance product that can effectively deal with critical illness risks, critical illness insurance is also popular with many people.
Although it is possible to protect against critical illness, the number of illnesses that can be covered is also limited.
So, what are the illnesses that are not covered by critical illness insurance?
What illnesses are covered by critical illness insurance?
Critical illness insurance is a product that pays us a sum of money after we unfortunately suffer from a contracted illness.
The diseases agreed in the contract can be divided into severe illness, moderate illness, and mild disease.
According to the relevant regulations of the China Banking and Insurance Regulatory Commission, all critical illness insurance products have 28 types of critical illnesses that must be covered.
These critical illnesses account for more than 95% of the overall claims of critical illness insurance, which can be said to be the absolute focus of claims.
Some products will increase the number of critical illnesses covered to dozens or even hundreds, which seems to be very good protection, but the claims of these dozens of extra critical illnesses only account for less than 5%.
In other words, it can be guaranteed a lot, but the actual use is not as great as imagined.
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Mild and moderate symptoms can generally be insured for dozens of kinds, and they can be paid multiple times. This can be regarded as expanding the coverage of critical illness insurance.
What illnesses will not be covered by the Critical Illness Insurance?
First of all, there are some pre-existing conditions or diseases that we are suffering from.
Because critical illness insurance has a relatively strict health notification link, even second only to the strictness of medical insurance.
For some chronic diseases, it is likely to evolve into a critical illness.
For example, if the three highs evolve into more serious diabetes, it belongs to the category of critical illness.
Therefore, for these pre-existing conditions, they are diseases that are excluded from critical illness insurance.
Secondly, it is the illness that is stated in the exclusion clause.
For example, hereditary diseases, congenital diseases, chromosomal abnormalities, AIDS, etc.
As long as these diseases appear in the exclusion clause, they will definitely not be compensated.
Moreover, for congenital diseases, even after the two-year indefensible period, the insurance company can also refuse to pay.
As for AIDS, it can be taken out as an exemption clause by critical illness insurance products, and friends must have understood that it is impossible to get a claim.
And then there's some cancer.
For example, carcinoma in situ, chronic lymphocytic leukemia, skin cancer, and so on.
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In particular, carcinoma in situ is considered a relatively mild condition because it does not have metastasis, and it is relatively easy to treat.
This distinguishes it from malignant tumors, and it is completely curable.
At present, some critical illness insurance products add carcinoma-in-situ as a separate benefit to the coverage, but the sum insured will be slightly lower, which will also distinguish it from other cancers.
Finally, there are diseases that are not truthfully told.
It is our obligation to tell the truth, and it is also an important tool for insurance companies to measure the risks we are exposed to.
If we are sick but hide it, then when the accident is discovered, the insurance company will directly refuse to pay.
Therefore, when we apply for insurance, we must remember to truthfully inform ourselves of our physical condition.
In general, the scope of illness coverage of critical illness insurance is relatively wide, but there are still some illnesses that will not be compensated.
We should also compare more when choosing critical illness insurance, and try to choose a critical illness insurance product that suits our needs.