China Life Insurance’s critical illness insurance includes:

1. Malignant tumors - excluding some early-stage malignant tumors

2. Acute myocardial infarction

< p>3. Sequelae of stroke - permanent dysfunction

4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation is required

5. Coronary artery bypass grafting (or Called coronary artery bypass grafting) - requires thoracotomy

6. End-stage renal disease (or uremic stage of chronic renal failure) - requires dialysis treatment or kidney transplantation

7. Multiple limb loss - complete disconnection

8. Acute or subacute severe hepatitis

9. Benign brain tumor - craniotomy or radiotherapy is required

10. Compensation period of chronic liver failure - excluding alcoholism or drug abuse

11. Sequelae of encephalitis or meningitis - permanent functional impairment

12. Deep coma - not caused by alcohol or drug abuse

13. Deafness in both ears - permanent and irreversible

14. Blindness in both eyes - permanent and irreversible

15. Paralysis - permanent and complete

16. Heart valve surgery - thoracotomy required

17. Severe Alzheimer's disease - complete loss of ability to live independently

< p>18. Severe brain damage-permanent functional impairment

19. Severe Parkinson's disease-complete loss of ability to live independently

20. Severe third-degree burns-at least the body surface area 20%

21. Severe primary pulmonary hypertension-with symptoms of heart failure

22. Severe motor neuron disease-complete loss of ability to live independently

23. Loss of language ability-complete loss and active treatment for at least 12 months

24. Severe aplastic anemia

25. Aortic surgery-requires thoracotomy or laparotomy< /p>

Extended information:

1. What should you pay attention to when purchasing critical illness insurance?

Consumers should carefully choose appropriate critical illness insurance products based on their needs. If they have any questions, they can consult the salesperson or insurance company. Secondly, after deciding to insure critical illness insurance, you need to answer questions related to your personal health and family history, etc. The policy holder and the insured must read it carefully and fill it out truthfully. If the relevant situation is not truthfully informed to the insurance company, you may not be able to receive insurance protection when applying for insurance benefits in the future. Finally, the policy holder and the insured must sign their names on the corresponding signatures of the insurance policy. Without the signatures of the policy holder and the insured, disputes often arise.

2. Things to note after purchasing critical illness insurance

After receiving the contract from the insurance company, the policyholder should carefully read the specific content of the contract again. If you have any questions about the contract, you can contact the insurance company. Consult your insurance company or salesperson. Critical illness insurance usually has a 10-day hesitation period (the starting date of the hesitation period is the date when the policy holder signs the policy in writing). If the policy holder finds that the purchased product does not meet his needs, he can cancel the policy during the hesitation period and the insurance company The paid insurance premium will be refunded in full or without interest after deducting the policy cost, and will not assume insurance liability from the beginning.

If the policy holder withdraws the policy during the hesitation period, he will suffer a greater cost loss. If the policyholder chooses to pay the insurance premium in installments and fails to pay the insurance premium after the 60-day grace period, the insurance contract will be terminated. Within two years after the validity of the insurance contract is suspended, the policyholder may apply to the insurance company to restore the validity of the contract. The insurance company will decide whether to agree to the reinstatement. The two parties will negotiate and reach an agreement. After the policyholder pays the insurance premium, the validity of the contract will be restored. If the two parties fail to reach an agreement within two years from the date of termination of the contract, the insurance company has the right to terminate the contract.

3. How to apply for critical illness insurance benefits?

There is an "Insurance Benefit Application" clause in all critical illness insurance contracts. After an insured event stipulated in the contract occurs, the insurance company should be notified promptly and prepare relevant documents in accordance with the requirements of the "Insurance Benefit Application" clause. Apply to the insurance company for insurance benefits. The certificates and information that need to be provided to confirm the insured accident mainly include the insurance contract, the insured's identity certificate, the specialist's diagnosis certificate or the surgery certificate, etc.

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Reference material: What should you pay attention to when purchasing critical illness insurance? -China Life