请问专业医学人士,保监会对重大疾病的定义是否合理?在中国是否有必要买重大疾病保险

2025-03-14 23:40:32
推荐回答(1个)
回答1:

保险小编帮您解答,更多疑问可在线答疑。

今年保监会和中国医师协会重新定义的25重大疾病包括:
1.恶性肿瘤
2.急性心肌梗塞
3.脑中风后遗症
4.重大器官移植手术或造血干细胞移植术
5.冠状动脉搭桥术
6.终末期肾病(慢性肾功能衰竭尿毒症期)
以上6种是重大疾病险必须包括的疾病
7.多个肢体缺失
8.急性或亚急性重症肝炎
9.良性脑肿瘤
10.慢性肝功能衰竭失代偿期
11.脑炎后遗症或脑膜炎后遗症
12.深度昏迷
13.双耳失聪
14.双目失明
15.瘫痪
16.心脏瓣膜手术
17.严重阿尔茨海默病
18.严重脑损伤
19.严重帕金森病
20.严重三度烧伤
21.严重原发性肺动脉高压
22.严重运动神经元病
23.语言能力丧失
24.重型再生障碍性贫血
25.主动脉手术
7-25疾病的定义是保监会定义的,各家公司的都会是一样的,也就是说理赔的条件也是一样的。但是这些病不是必须包括的,也就是说保险公司有的可能全部都有,有的可能比这少,也有在这25种上还会多加。所以在购买的时候要问清楚代理人。
重新定义的重大疾病大多都加了严重两个字,但是并非不可治,大多数的病都是可以治愈的,只是花费较大。
根据以上,你说的慢性肝炎是不属于重大疾病的范畴。

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