重疾险给付条件：合理性和再设定

重大疾病险给付条款所依据的医疗技术规范和确诊标准落后,无法体现目前医学界普遍通行的确诊要求,与现实的治疗手段相差甚远,不符合使重疾险被保险人能够在身患重大疾病时得到一些经济上补偿的初衷。保险公司为了规范给付的标准,或者出于约束自己责任的目的,不能简单地以“首次罹患”为给付条件,应从多方面进行考虑;要明确确定所承保的疾病范围和疾病定义;给付标准应清晰、严谨、准确并符合医学标准。

The Condition of Claiming Critical Diseases: Rationality and Re-establishment

After the establishment medical treatment techniques and standards of claiming critical diseases,it's found that it can't reveal the requirement of normal operation,which is far away from the practical medical methods.It doesn't suit the original idea of give economic redemption to people with critical diseases.In order to standardize the claiming policy or limit their responsibility,insurance companies should not base on the condition of "initial suffering",it should consider different aspects,and set clear definition of different diseases;Claming standard should be clear,prudent,and accurate and comply with medical standards.