1, carcinoma in situ is not a malignant tumor: carcinoma in situ, commonly known as "intraepithelial carcinoma", usually refers to atypical hyperplasia (severe) of epithelial layer of mucosa or skin epidermis, which has not invaded dermal tissue through skin or submucosal basement membrane, and has not infiltrated and metastasized far away.
The implication is that cancer in situ has no infiltration and metastasis, which does not conform to the characteristics of malignant tumor. The so-called malignant tumor is bound to metastasize, recur and persist.
2. Exclude 25 kinds of serious illness: The earliest 25 kinds of serious illness insurance on the market can be said to be exactly the same, which is stipulated by the "supervising dad" in the industry. The first serious disease in the clause is malignant tumor, and it is clearly stated in the clause of the category of serious diseases that cancer in situ insurance does not compensate.
Does critical illness insurance cover cancer in situ?
The critical illness insurance bought more than ten years ago, because there are only dozens of critical illness insurance, so the critical illness insurance does not include the protection of cancer in situ.
But now, due to the increasingly fierce market competition, although the previous critical illness insurance did not have the protection of cancer in situ, most of the current critical illness insurance has the responsibility of minor illnesses. At present, more than 95% of products with minor ailments include the protection of cancer in situ, and the category of minor ailments is called extremely early malignant tumor or malignant lesion.
In other words, the type of serious illness in the critical illness insurance, cancer in situ is not guaranteed, and the incidental minor illness is generally guaranteed, but the compensation is not so much.
Insurance claim process
1, report the case
After the accident, call 955 18 immediately, and PICC claims service personnel will inquire about the accident, assist in arranging rescue, inform the subsequent claims processing flow, and guide the insured to call the police.
2. Investigation and verification
After receiving the report, PICC service personnel will, with the assistance of the insured, send claim adjusters or entrust loss assessment agencies, technical appraisal agencies and overseas agents to the scene of the accident to investigate the accident, understand the losses involved, consult and preliminarily collect evidence and materials related to the nature, causes and losses of the accident, confirm whether the accident belongs to insurance liability, and entrust professional technical appraisal departments or scientific research institutions to provide professional technical support when necessary. And instruct the insured to fill out the notice of danger (claim application).
3. Submit claim materials
According to the written notice of PICC, submit all the information required for the claim, and review and confirm the claim information in time. If it is not complete, they will be informed to supplement relevant materials in time.
4, salary calculation and audit
Under the condition that the claim materials submitted by you are true and complete, PICC will accurately calculate the insurance claims and conduct internal audit of claims according to the insurance contract and relevant laws and regulations, and reach a final claim agreement with you.
Step 5 get compensation
Pay compensation according to the agreed payment method and insurance contract.