Six categories of serious diseases required by China Insurance Regulatory Commission:
1. Malignant tumor-excluding some early malignant tumors.
2. Acute myocardial infarction
3. Sequela of stroke-permanent sexual dysfunction
4 major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation
5. Coronary artery bypass grafting-requires thoracotomy.
6. End-stage renal disease-requiring dialysis treatment or kidney transplantation.
19 kinds of high incidence and serious diseases:
1. Arterial surgery-open or laparotomy is required.
2. Acute or subacute severe hepatitis
3. Benign brain tumor-requires craniotomy or radiotherapy.
4. Decompensation period of chronic liver failure-excluding alcoholism or drug abuse.
5. encephalitis sequela or Meningitis Sequela-Permanent Sexual Dysfunction
6. Deep coma-excluding alcohol or drug abuse.
7. Deafness in both ears-permanent irreversibility
8. blindness-permanent irreversibility
9. Paralysis-permanent complete paralysis
10. Heart valve surgery-open surgery is needed.
1 1. Severe Alzheimer's disease-complete loss of independent living ability.
12. Severe brain injury-permanent sexual dysfunction
13. Severe Parkinson's disease-complete loss of autonomous living ability
14. Severe third-degree burns-at least 20% of the surface area.
15. Severe primary pulmonary hypertension-with heart failure.
16. Severe motor neuron disease-complete loss of autonomy.
17. Language loss-complete loss and treatment for at least 12 months.
18. Severe aplastic anemia
19. Multiple limb loss-complete amputation