|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Comrade Editor:
I have entered Buhuozhinian, with increasing age, physical health status is also far behind the young man. Recently, I was considering buying a number of major illness insurance, is currently a lot of these insurance products, I do not know how their insurance coverage, purchase amount on how much is appropriate?
Readers Wang Light
Mr. Wang:
You think well, due to buy some critical-illness insurance, for themselves and their families can provide an effective protection. Currently, many insurance companies are equipped with critical-illness insurance, they often emphasize disease protection publicity types of insurance agents in marketing when the product is often more Gejia guaranteed number of major diseases. But we can not ignore that the most important critical-illness insurance coverage is not only the number of disease types, more importantly, its ability to provide protection of disease type and amount of insurance sufficient to cover medical expenses.
In order to enable consumers to major health insurance coverage to have a general understanding, in this major diseases are some insurance companies guaranteed insurance products and general interpretation of disease treatment costs.
Cancer (also known as malignant tumor):
Refers to the uncontrolled growth and spread of malignant cells and the organization is characterized by invasion of malignant tumors.
Treatment costs:
5-20 million, an average of 120,000 yuan.
Chronic renal failure (also known as uremia):
Means the function of both kidneys to chronic and irreversible end of failure, and has already resulted in a regular kidney dialysis or kidney transplant to survive.
Treatment costs:
Dialysis an average of 435 yuan per year, 55,000 yuan, with an average 80,000 yuan.
Aplastic anemia:
Means the result of chronic and permanent bone marrow failure caused by anemia, neutropenia and thrombocytopenia, bone marrow examination identified as aplastic anemia.
Treatment costs:
10-20 million, an average of 150,000 yuan.
Stroke:
That produced by the brain vascular accident cerebral hemorrhage (excluding subarachnoid hemorrhage), cerebral thrombosis or cerebral permanent neurological damage, 6 months after the accident, the insured person identified by the neurological specialist, still had a disability that prevents those who recover.
Treatment costs:
More than 50,000 yuan, with an average 80,000 yuan.
Acute myocardial infarction:
Refers to inadequate blood supply due to coronary artery lead to some myocardial necrosis, the diagnosis must meet the following conditions: Typical chest pain symptoms, a recent abnormal ECG changes, the report showed that the typical ECG signs of myocardial infarction, myocardial enzymes increased.
Treatment costs:
Early discovery of 12 million, vascular re-pass surgery for more than 50,000 yuan, with an average 80,000 yuan.
Severe burns:
Refers to the basis of clinical identification of the "new nine points system," the degree of burn and the burn area assessment standards body surface area burns of 20% or 20% or more and the degree burns up to three degrees. The standard third-degree burns the skin (epidermis, dermis or subcutaneous tissue) full-thickness loss involving muscle, bone, soft tissue necrosis, scab and finally fall off.
Treatment costs:
Skin, the more complete medical need 20 million yuan, an average of 100,000 yuan.
Coronary artery surgery:
Due to coronary artery disease means to accept one or more coronary heart surgery, but does not include angioplasty, laser treatment or other surgery done within the artery.
Treatment costs:
1 Bridge 5 million yuan, with an average 75,000 yuan.
Major organ transplant surgery:
That due to the following organs, lesions, and after general treatment had no significant effect, based on doctor's advice, has accepted the corresponding organ transplants: kidney, heart, lungs, bone marrow, cornea, pancreas.
Treatment costs:
Kidney transplant for more than 100,000 yuan, an average of 100,000 yuan.
In summary, the major diseases of the average treatment cost is generally not more than 10 million per, therefore, critical-illness insurance policyholders to purchase when the amount of insurance at least 10 million yuan, so as to play in risk cover, when the advent of the wind and rain protection.
