According to the regulations of the China Insurance Regulatory Commission, there are six kinds of compulsory diseases and 19 kinds of high-risk diseases, and insurance companies can add other diseases, so the top ten diseases have not been identified. When choosing products, you can focus on the following serious diseases:

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