There are two types of insurance that deal with the risk of disease, and for Crohn's disease, it's this:

①Medical insurance: Medical insurance is not limited to any type of disease, as long as the hospitalization incurs medical expenses.You'll be reimbursed.(except for orthodontics myopia eye surgery cosmetic surgery and other non-health-threatening conditions), including Medicare and commercial medical insurance, reimbursement for Crohn's disease treatment.

② Critical Illness Insurance: In 2007, China unified the provisions of the 25 major diseases, all critical illness insurance products must be included. These 25 kinds of critical illnesses do not include Crohn's disease, but the new regulations in 2020 have "severe Crohn's disease", so all future critical illness insurance will include "severe Crohn's disease" coverage, the conditions of payment are exactly the same.

Why should it be included as a statutory critical illness disease? Because Crohn's disease is showing a high prevalence in Asia, especially in China, with a high incidence in the age group between 15 and 35 years old, and it is very costly. People at this stage are struggling with their studies and careers, and once they suffer from the disease, it will have a great impact on themselves and their families.

The new definition and conditions of coverage for "Severe Crohn's Disease" are as follows:

A chronic granulomatous enteritis with characteristic pathohistologic changes of Crohn's disease (Crohn's disease), which must be diagnosed on the basis of histopathologic features, and which has resulted in the formation of a fistula with intestinal obstruction or perforation.

It can be paid as a critical illness.

Prior to the implementation of the new regulations, many domestic critical illness insurance policies already included Crohn's disease, but the name translates as "Severe Crohn's Disease", which is actually a disease. The difference between the definition of the disease and the statutory definition of severe Crohn's disease is very small.

Some critical illness insurance policies also include "Moderate Severe Crohn's Disease", which is an early stage of "Severe Crohn's Disease", as part of their moderate illness cover. If this level of illness is reached, you can receive about the usual critical illness benefit (the percentage of benefit varies from product to product).

If you already have the disease, there is no commercial medical insurance that can cover the disease except for Medicare. So as the old saying goes, "Buy insurance before it's too late."

Crohn's Disease, also known as Crohn's Disease, is a disease that may not be particularly well known to the general public, and is often the first time you learn of its existence after you have it.

Crohn's disease belongs to the category of "inflammatory bowel disease", a rare disease of the digestive tract, the cause of which is not very clear, and the course of the disease is recurrent and not easy to be cured. Its English name is Crohn, and it was named after three doctors, including Crohn, who systematically described this kind of enteritis in 1932.

I. What insurance policies cover Crohn's disease?

Although Crohn's disease is a rare disease, the number of cases occurring in recent years has increased. What insurance policies are available to cover this disease?

1. Hospitalization medical insurance

Hospitalization medical insurance is a broad coverage health insurance policy that pays out under the terms of the contract whenever hospitalization occurs.

Crohn's disease is also not placed in the exclusion clause of hospitalization medical insurance.

However, we need to be aware that there are hereditary diseases in the exclusions of hospitalization medical insurance.If Crohn's disease is caused by genetics, you can't be compensated for it. In other cases, hospitalization medical insurance pays for Crohn's disease.

Of course, different hospitalization medical insurance policies have different coverage, some may have to reimburse out-of-pocket expenses for medicines, while others can only reimburse medicines covered by social security; some reimburse up to 100%, while others may only reimburse 70% or 80%; some have deductibles, such as million-dollar medical insurance which usually has a $10,000 deductible, while others have a 0% deductible.

Therefore, when we choose hospitalization medical insurance, we have to choose wisely according to our actual needs.

2. Critical illness insurance

Crohn's disease does not belong to the 25 highly prevalent critical illnesses formulated by the Chinese Insurance Association and the Chinese Physicians Association, so it is normal that critical illness insurance does not cover Crohn's disease.

However, many critical illness insurance policies now cover 80, 100, 110 or even more serious illnesses. Some insurance companies have included "serious cloning disease" in the coverage of critical illness.

Critical illnesses covered by an insurance company

Since diseases other than the 25 critical illnesses are defined by each insurance company, the definitions may be different.However, severe clonal disease generally requires that pathologic findings must be available and have resulted in fistula formation with intestinal obstruction or intestinal perforation. You can get a critical illness insurance benefit payout if you meet this condition.

In addition, many insurers are now adding coverage for intermediate conditions, which are defined as less severe than severe ailments but more severe than minor ailments. And some insurers have included moderately severe clones among the intermediate conditions.

An insurer's definition of moderately severe clonus

As we can see from the definition, the threshold for claims is lower than for severe clonus, and there is no requirement that there must be a fistula formation, intestinal obstruction, or intestinal perforation, but only that the physician has taken a steroid or immunosuppressive drug for more than 180 consecutive days.

Of course, not all insurance companies include "severe cloning disease" and "moderately severe cloning disease" in their contracts. If you need to cover this type of disease, you need to be careful in screening.

3、Juki Insurance

Life insurance does not directly cover Crohn's disease. However, if you end up dying because of Crohn's disease, you can get an insurance claim paid out to your beneficiaries, so I'll mention that a little bit here.

Second, what kind of insurance can I get if I already have Crohn's disease?

Insurance does not cover pre-existing conditions. If a disease has been detected or there is a test abnormality, we are required to inform the insurance company when taking out the policy. Only if the insurance company agrees to cover the disease after underwriting will we be able to cover the disease that we have informed them of.

Unfortunately, there is no specific treatment for Crohn's Disease, a lifelong inflammatory disease, and the vast majority of insurance companies will not cover Crohn's Disease if it has been diagnosed.

1. Critical illness insurance is not found to be covered at this time;
   

2. Medical insurance can be insured with Good Health Insurance on Alipay, whose health notification is simple, but pre-existing conditions are still not covered. This means that if Crohn's disease has been detected, you can take out this medical insurance, but Crohn's disease related treatments cannot be reimbursed. However, compared to other medical insurance policies that are outright uninsurable, this one can underwrite coverage for other illnesses, which is pretty good;
   

3. There are several life insurance policies that do not mention Crohn's Disease and can be covered by the specimen.
   

The table below summarizes it for you as a reference if you happen to have a need in this area.

Crohn's Disease Partially insurable products

Purchasing insurance is closely related to your health, so if you want to protect yourself and your family, you should take out an insurance policy as soon as possible while you are in good health.

In this kind of disease looking for insurance can not, find a Chinese river bent to let you break the disease, stop the medicine, is the realization of the truth ......

Thanks for the invite!

Crohn's Disease, also known as Cloning Disease, is relevant for both Mainland and Hong Kong insurance policies.

It is an inflammatory disease of the intestines of unknown cause that can occur anywhere in the gastrointestinal tract, but is more prevalent in the terminal ileum and right hemicolon. The disease and chronic nonspecific ulcerative colitis are collectively referred to as inflammatory bowel disease (IBD). The clinical manifestations of this disease are abdominal pain, diarrhea, intestinal obstruction, accompanied by fever, nutritional disorders and other extraintestinal manifestations. The course of the disease is prolonged and recurrent, and it is not easy to be cured. The disease is also known as restrictive enteritis, restrictive ileitis, segmental enteritis and granulomatous enteritis.
There is no cure, and many patients develop complications that require surgical treatment, which has a high rate of recurrence. The recurrence rate of the disease is related to the extent of the lesion, the strength of the disease invasion, the prolongation of the course of the disease, the increase in age, and other factors, and the mortality rate is also increased.

For insurance, there is actually coverage associated with all of them.

I have put together a look at mainland and Hong Kong insurance coverage for cloning disease, also known as clonus.

1. Critical illness insurance

Among the types of diseases that are serious is the inclusion of clonus.

For the mainland insurance first, the pathology examination confirmed the cloning disease and caused fistula formation disease accompanied by intestinal obstruction or intestinal perforation. Critical illness coverage can be paid.

For Hong Kong insurance, three conditions need to be fulfilled at the same time: 1) intestinal obstruction; 2) formation of fistula; and 3) at least a section of intestine cut out. However, Hong Kong insurance can also be confirmed by colonoscopy in addition to pathological confirmation. The relative choice will be a bit more relaxed. But the conditions for meeting the payout are stricter.

2. Critical Illness Insurance Medium

Critical illness insurance includes a benefit for moderate conditions, and moderate clonus is one of the categories of moderate conditions.

The typical payout for moderate illness is between 40% and 60% of the sum insured.

Domestic insurance, for moderate clonopathy requires treatment with steroids or immunosuppressants for more than 90 days, in addition to pathologic confirmation, to meet the criteria for benefits.

As for insurance in Hong Kong, pathological confirmation is also required, as well as treatment with steroids or immunosuppressants, and the time required is at least six months, that is, 180 days, which is twice as long as the requirement in the Mainland, and it is undoubtedly much stricter.

Although cloning is covered as a type of illness that can be covered in critical illness insurance, there is nothing that can be done to get coverage if you already have cloning at the time of enrollment.

3. Medical insurance

If you are healthy at the time of enrollment, then if you are diagnosed with a cloning disease after enrolling in a medical insurance policy:

For the million medical insurance, can insurance hospitalization and outpatient medical expenses before and after hospitalization, the proportion is social security reimbursement, minus the deductible (deductible is not necessarily 10,000 yuan oh, million medical products are 5,000 deductible products), the full reimbursement;

For mid-range and high-end medical treatments, 100% reimbursement of the related treatment costs can be made subject to the benefit limit;

But the prerequisite remains that the body is compliant at the time of enrollment.

I hope this answer helps!

- END -

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Any commercial insurance policy that you buy after you have already been diagnosed with a disease will not make any claims related to that disease!

The reason is very simple, we go to buy something, you have seen this thing has a big defect, even affect the use, you will buy it? And the seller also said, because of this flaws arising from the quality of the problem, they do not care ......

Upon inquiry, Crohn's disease is an inflammatory disease of the intestinal tract of unknown cause for which there is no cure, and many patients develop complications requiring surgical intervention, which is associated with a high rate of postoperative recurrence. The recurrence rate of the disease is related to the extent of the lesion, the strength of the disease invasion, the prolongation of the disease, the increase in age and other factors, and the mortality rate is also increased.

It is a disease that does not pass the underwriting of most insurance policies that have health notifications. Even if it passes some insurance policies, the insurance will not cover other complications from Crohn's disease and recurrence of Crohn's disease. This type of coverage generally pays for conditions unrelated to Crohn's disease.

Then there's the accident insurance that pays for it.

Now there is a large part of the population, think: I just diagnosed with this disease, so I buy insurance, to be paid by insurance. This kind of wool-gathering behavior of insurance companies is no different from blatant money-grabbing. It is also very unfair to other insured people who are normally insured.

For example, you are in line to pay, suddenly came to a person to cut in line, for you you are the normal queue, cut in line of people were hit by a car to die deserve; the same, others buy insurance is to guard against the possibility of getting sick, and you belong to this has been sick and then come back to buy insurance must be compensated for, to other people you are the speculators to cut in line.

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I'm Huo Say Dangerous Way, I'll say this one.

Crohn's disease, also known as Crohn's disease. Crohn's disease, also known as Crohn's disease, is an intestinal disorder of unknown origin. It is most common in young people and manifests as granulomatous inflammatory lesions, combined with fibrosis and ulceration. It can invade any part of the gastrointestinal tract, including the oral cavity and anus, and the lesions are segmental or jumping in distribution, and can invade beyond the intestinal tract, especially the skin. Clinical manifestations are diversified depending on the site, scope and degree of the lesion, and the course of the disease is slow and prone to recurrence.

So what about those insurance products that provide coverage for Crohn's disease?

First, a note: If you already have Crohn's disease, you only need to read #1 below, not the last two.

1, Social Security Medicare + tax-advantaged health insurance, there is no doubt that this provides coverage.

For customers who are already sick must purchase social security medical provide basic medical insurance services; if the unit employees, then you can purchase tax-advantaged medical insurance through the unit's channels, but also for the future to provide medical expense protection;

2. Commercial medical insurance

For people who are not sick, commercial medical insurance is certainly one of the more effective ways to protect yourself against medical expenses. The average family can purchase a multi-million dollar medical policy, while the better off can purchase a high-end medical policy to provide a better environment for medical treatment.

3. Critical illness insurance

Essentially all critical illness insurance policies on the market today provide critical illness insurance coverage - paying out critical illness insurance benefits - after a client develops Crohn's disease.

Because Crohn's disease takes a long time to treat and the healing process is not ideal, a critical illness insurance policy is necessary.

That's it for today's content, I'm Huo Speaks Dangerous Journey, welcome to follow.

First, medical insurance, such as Million Dollar Healthcare, Medicare, and other reimbursement insurance policies can cover Crohn's disease, and if you are hospitalized because of the disease, you can be reimbursed for the difference after social security reimburses you for the difference. However, this type of insurance requires you to be in good health to be insured.

Second, life insurance, if death occurs due to Crohn's disease, will pay out the amount of the policy.

Third, critical illness insurance, although very few insurance this disease of critical illness, but many critical illness insurance can insure deep coma, blindness, vegetative state, life can not take care of themselves, etc., if the disease caused by the above state can also be claimed.

Insurance is a kind of saving for a rainy day, accumulating grain to prevent hunger, must be configured when you are healthy and young, otherwise you will be rejected by the insurance company when you are sick.

It's not easy to cure this disease, is it? Insurance only covers risks that have not occurred.

If you don't have the disease, you can buy hospitalized medical care and get reimbursed whenever you are hospitalized.

Medical insurance, and most critical illness insurance, covers Crohn's disease, also known as clonal disease.

In the consultation draft of the new regulations on critical illnesses released on 3.31, the definition of 28 major illnesses + 3 minor illnesses has been standardized, and these 28 major illnesses, include severe Crohn's disease.

In the new regulation, severe Crohn's disease is defined as a chronic granulomatous enteritis with characteristic pathohistological changes of Crohn's disease (Crohn's disease), which must be diagnosed on the basis of histopathological features, and which has resulted in the formation of a fistula with intestinal obstruction or intestinal perforation.

Medical insurance is reimbursement in nature and is not limited to illnesses, so of course you can be covered, but only for direct medical expenses.

Critical illness insurance is payout in nature, with a clear definition of the disease, so there are also claims conditions for Crohn's disease. Since it is a direct payout of a sum of money, it protects the patient's later recovery costs, as well as compensates for the loss of income caused by the illness, and protects the patient's and his/her family's livelihood.

Insurance is something that requires a complete package to achieve comprehensive coverage.

Paul Crohn's disease is a chronic non-specific inflammatory disease of the gastrointestinal tract, with the main symptoms being abdominal pain, diarrhea, and weight loss. It requires medication to control, is more difficult to cure, and has a lifelong tendency to recur.

Based on the fairness of health insurance, health information is required for all insurance applications - for those that affect the underwriting factors, the insurance company will give different underwriting results: increase coverage, exclude coverage, postponement, and refusal of coverage. Due to the severity of the above mentioned diseases, it is impossible for the basic health insurance to cover them, and even if they are covered, they will be excluded from the coverage of this disease and the related diseases caused by this disease.

Insurance covers healthy bodies and will cover minor health anomalies if they do not affect the underwriting factors. On the other hand, insurance coverage will be denied for health abnormalities that affect the underwriting factors.

Than the disease to consider health insurance is basically impossible, for annuity type financial insurance or whole life insurance can try to insure, the specific underwriting or not need to see the underwriting to decide.