bigmice

softarts 发表于 11-12-2014 11:57
oh..找到了童老师的这个入门帖子，不错
https://bbs.shichengad.com/thread-4897902-40-1.html

在下人为TERM要么不要CI, 保死亡和TPD,要么保早期CI
原因是现在医疗和生活水平提高,在TERM期内(一般是65/70岁以前)到晚期才查处重病的机会极低,另外晚期重病的标准很高几乎等于临终疾病或TPD.
用TERM保普通意义的重大疾病,在下认为有些浪费,除非保到70岁以上.

softarts

bigmice 发表于 11-12-2014 12:51
在下人为TERM要么不要CI, 保死亡和TPD,要么保早期CI
原因是现在医疗和生活水平提高,在TERM期内(一般是65/ ...

虽然你们都说普通CI就是特指晚期的CI，但是我从他的说明里看不出这些:
3.4Critical Illness Benefits
(Subject to a maximum Sum Assured of $1,000,000 on any policies or riders issued by the Company on the same Life Assured)
The death benefit will be payable in one lump sum (see exceptions below) in the event that the Life Assured is diagnosed to be suffering
from any one of the 30 Critical Illnesses listed below:
(1) Heart Attack   (16) Heart Valve Surgery
(2) Stroke   (17) Loss of Speech
(3) Coronary Artery By−Pass Surgery (18) Major Burns
(4) Major Cancers   (19) Surgery to Aorta
(5) Kidney Failure   (20) Encephalitis
(6) Fulminant Hepatitis  (21) Muscular Dystrophy
(7) Major Organ / Bone Marrow Transplantation   (22) End Stage Lung Disease
(8) Progressive Scleroderma   (23) End Stage Liver Failure
(9) Multiple Sclerosis              (24) Motor Neurone Disease
(10) Primary Pulmonary Hypertension    (25) Parkinson's Disease
(11) HIV Due to Blood Transfusion and Occupationally Acquired HIV
(12) Alzheimer's Disease / Severe Dementia       (27) Benign Brain Tumour
(13) Apallic Syndrome                                          (28) Major Head Trauma
(14) Coma (29) Bacterial Meningitis
(15) Deafness (Loss of Hearing) (30) Angioplasty & Other Invasive Treatment For Coronary Artery

(26) Aplastic Anaemia

With effect from 1 July 2003, the insurance industry has adopted common definitions for all Critical Illnesses. This means that each
illness covered will be defined the same way by all insurance companies. You are advised to refer to the policy contract for definition and
details of the above Critical Illnesses.

For Angioplasty & Other Invasive Treatment For Coronary Artery ("Angioplasty"), only 10% of the sum assured (up to a maximum of
$25,000 per Life Assured) will be payable if the Life Assured undergoes a treatment. After a claim is paid, the balance of the policy sum
assured with reduced premium will continue. No benefit for Angioplasty will be payable for subsequent treatments under this and any
other policies and riders covering Angioplasty.

就比如早期重病条款里中风分成了early,intermediate和critical stage，而普通CI的中风并没有分，这两者的区别？普通CI的中风就是指重度的中风？条款里有？

小五

softarts 发表于 11-12-2014 13:05
虽然你们都说普通CI就是特指晚期的CI，但是我从他的说明里看不出这些:
3.4Critical Illness Benefits
(Sub ...

普通的CI定义看这里。
https://docs.google.com/document ... fI/edit?usp=sharing

上面那叫目录

softarts

小五 发表于 11-12-2014 13:29
普通的CI定义看这里。
https://docs.google.com/document ... fI/edit?usp=sharing

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. Stroke

A 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