本帖最后由 softarts 于 11-12-2014 14:02 编辑
粗粗看了一下,关于major cancer的术语太多,仿佛"癌前可能发生病变的息肉"不属于cancer,但是原位癌属不属于,看不懂,姑且认为major cancer就是晚期cancer,(发生转移)
不过中风就有些不明白了
像中风分为爆血管(即脑溢血)和脑梗塞(即血管阻塞),前者毫无疑问就是中风,有生命危险,预后也不好,但是后者就不同了,下面 条款说"exclude transient ischaemic attacks"
血管阻塞,轻度的,发生过短暂的晕倒,MRI检查不会发生明显的损伤,这个按照它的定义就不属于中风
中或重度的,MRI有看到大脑损伤,有部分人会缺失语言或行动力,有些人如果康复做得好,语言和行动能力会恢复到基本自理水平,但是后遗症一般会有的例如头痛之类,
单单从transient ischemic attacks 的字面翻译"短暂脑缺血发作",我的理解就是条款保中度以上不保轻度,不知道对不对.
而中度的脑梗塞,和major cancer相比是不属于危及生命的CI那类的.
所以我对"普通的CI"定义有不少觉得疑惑的地方,保险经纪是为了方便,统一把普通CI定义为晚期病症,还是我所指的这类中度中风,确实不在CI的赔偿范围
2. StrokeA cerebrovascular incident including infarction of brain tissue, cerebral and subarachnoid haemorrhage, cerebral embolism and cerebral thrombosis. This diagnosis must be supported by all of the following conditions: evidence of permanent neurological damage confirmed by a neurologist at least 6 weeks after the event; and findings on magnetic resonance imaging, computerised tomography, or other reliable imaging techniques consistent with the diagnosis of a new stroke.
The following are excluded: transient ischaemic attacks; brain damage due to an accident or injury, infection, vasculitis, and inflammatory disease; vascular disease affecting the eye or optic nerve; and ischaemic disorders of the vestibular system.
如果普通CI=晚期CI,那确实不如去买早期CI了
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