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_用心聆听_ LV15
发表于 2-11-2015 23:51:42
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关于保诚的重病保障部分，还得看当时投保的时候保单对于相关重病的具体定义。
2003年以前，市场是是没有统一的重大疾病定义的。2003年，LIA统一了30种重大疾病的定义，在2014年又进一步更新了这个定义，包含37种重大疾病，并于2015年2月开始实施。
对于2003年统一的定义实施以后，基本上所有的保险公司的重大疾病保障保单所采取的定义都是一样的。
具体不知道您的家婆是什么时候投保的保单，所以不确定保单中的具体疾病定义如何。
2003年的定义中，关于主要癌症Major Cancer是这样说的：
A malignant tumour characterised by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue.
This diagnosis must be supported by histological evidence of malignancy and confirmed by an oncologist or pathologist.
The following are excluded:
Tumours showing the malignant changes of carcinoma-in-situ and tumours which are histologically described as pre-malignant or non-invasive, including, but not limited to: Carcinoma-in-Situ of the Breasts, Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
Hyperkeratoses, basal cell and squamous skin cancers, and melanomas of less than 1.5mm Breslow thickness, or less than Clark Level 3, unless there is evidence of metastases;
Prostate cancers histologically described as TNM Classification T1a or T1b or Prostate cancers of another equivalent or lesser classification,
T1N0M0 Papillary micro-carcinoma of the Thyroid less than 1 cm in diameter, Papillary micro-carcinoma of the Bladder, and
Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
All tumours in the presence of HIV infection.
A malignant tumour positively diagnosed with histological confirmation and
characterised by the uncontrolled growth of malignant cells with invasion
and destruction of normal tissue.
The term malignant tumour includes leukemia, lymphoma and sarcoma.
For the above definition, the following are excluded:
- All tumours which are histologically classified as any of the following:
- Pre-malignant;
- Non-invasive;
- Carcinoma-in-situ;
- Having borderline malignancy;
- Having any degree of malignant potential;
- Having suspicious malignancy;
- Neoplasm of uncertain or unknown behavior; or
- Cervical Dysplasia CIN-1, CIN-2 and CIN-3;
- Any non-melanoma sgchinesercinoma unless there is evidence of
metastases to lymph nodes or beyond;
- Malignant melanoma that has not caused invasion beyond the epidermis;
- All Prostate cancers histologically described as T1N0M0 (TNM
Classification) or below; or Prostate cancers of another equivalent or
lesser classification;
- All Thyroid cancers histologically classified as T1N0M0 (TNM
Classification) or below;
- All tumours of the Urinary Bladder histologically classified as T1N0M0
(TNM Classification) or below;
- All Gastro-Intestinal Stromal tumours histologically classified as T1N0M0
(TNM Classification) or below and with mitotic count of less than or equal
to 5/50 HPFs;
- Chronic Lymphocytic Leukaemia less than RAI Stage 3; and
All tumours in the presence of HIV infection.
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