In recent years, the incidence of myocardial infarction has become more and more younger, which is closely related to people's long-term addiction to mobile phones and irregular work and rest.
A few days ago, the 20-year-old model Jiang Jingna died suddenly on the high-speed train back to her hometown from school.
Jiang Jingna is a well-known model in China. She has been on the cover of fashion magazines many times. She has a promising future. The sudden bad news makes it difficult for many people to accept. Many people have heard similar tragedies like
, ranging from show stars to small neighborhoods. Acute myocardial infarction is like a night killer, lurking beside us.
On June 25, the world’s top medical journal "The Lancet" published an article titled "Death, Morbidity and Risk Factors in China and Its Provinces 1990-2017: A Systematic Analysis of the Global Burden of Disease in 2017" The research report reveals the "dramatic shift" from infectious diseases to chronic diseases in China in the past three decades.
Many people know that cancer is terrible, but in fact, cardiovascular and cerebrovascular diseases have become the number one killer of Chinese people, accounting for 43%, far exceeding 26% of cancers. What exactly is
acute myocardial infarction?
We know that the heart is one of the most important organs of the human body. It is the engine of the human body and is responsible for transporting blood to the organs of the whole body. The heart itself also needs blood supply.
Simply put, acute myocardial infarction is: the blood vessels supplying the heart, that is, the coronary arteries are blocked, making the myocardial cells ischemia and hypoxia for a long time, and finally the symptoms of myocardial infarction may appear.
Every year, 17 million people die from cardiovascular and cerebrovascular diseases worldwide, and more than 50% die from acute myocardial infarction, that is, sudden death.
is myocardial infarction sudden?
Many people know that once a person has a myocardial infarction, the mortality rate is very high, so most people will think that it is sudden, unlike cancer that has a process of tumor growth.
But in fact, most patients will go through a longer course of disease development:
hyperlipidemia —> coronary atherosclerosis —> coronary heart disease —> acute myocardial infarction —> heart failure
and experts say that these three points are the easiest Myocardial infarction:
Bad lifestyle habits: smoking, drinking, long-term lack of exercise, obesity, overwork, etc.; diseases leading to myocardial infarction: hyperlipidemia, hypertension, hyperglycemia, etc.; congenital causes: family history of myocardial infarction, or congenital Sexual vascular malformations and so on. How does
critical illness insurance cover acute myocardial infarction?
The critical illness insurance has been continuously upgraded, and the coverage has become more and more comprehensive, and each critical illness insurance must include 25 high-incidence serious illnesses stipulated by the China Insurance Regulatory Commission, accounting for more than 90% of the incidence of all major diseases, including acute myocardial infarction, Coronary artery bypass graft.
However, it should be noted that certain conditions must be met when making a claim:
1, acute myocardial infarction, it can be paid without diagnosis. At least 3 conditions must be met to be compensated, and it may not be determined until 90 days after the onset of illness.
2, coronary artery bypass surgery, must undergo open thoracotomy, and minimally invasive implantation of a heart stent is not compensated.
Other protections for acute myocardial infarction in critical illness insurance?
may see here, some people think that the insurance is too strict, will not be compensated if you die?
But in fact, critical illness insurance is to cover major diseases, and insurance premiums are calculated based on the incidence. If we can get hundreds of thousands of claims for ordinary diseases, then our premiums will have to be doubled.
And now the critical illness insurance no longer only covers major diseases, but also covers mild and moderate illnesses, which greatly increases the probability that we can get compensation.
Among them:
acute myocardial infarction corresponding to mild: atypical acute myocardial infarction mild; coronary artery bypass surgery corresponding to mild: coronary intervention, minimally invasive coronary artery bypass surgery.
are included in the scope of mild disease.
But on the other hand, atypical acute myocardial infarction, coronary intervention, minimally invasive coronaryThere is no national unified standard for the arterial artery bypass graft, and each company has some differences. Some products of
include these 3 types of mild disease (such as Kanghuibao flagship version, Super Mario flagship version), and some products do not contain any of them (such as Ping An Fu).
And the claim amount is also different, some products claim 20% of the insured amount, some products up to 40%.
insurance configuration should be scientific
As I mentioned above, from the point of view of the major disease itself, all critical illness insurance includes acute myocardial infarction and coronary artery bypass surgery.
However, when we buy critical illness insurance, we must look at the situation. It is very important to include these two serious illnesses and correspond to mild illnesses.
and it's best to match a million-dollar medical insurance such as e-life, except for the 10,000 deductible, which can be reimbursed.
On the other hand, acute myocardial infarction can easily lead to sudden death. The age is mainly concentrated in people who are "old and young". This risk has to be prevented.
term life insurance can at least guarantee the family's living expenses for more than ten years, and will not cause the tragedy of "family breakage and death".
In this fast-paced society, both men and women will inevitably face a lot of life pressure.
But don't think that you can overdraw your health when you are young. Many cardiovascular and cerebrovascular diseases have long been eyeing young people.
Stay away from irregular work and rest, hard work intensity, and unhealthy eating habits.
Don't wait until you lose your health to realize its value.
Author: Division A book
Source: Division scouring the small talk of financial security
small Division Tsinghua Science Division Pa book A founder of Finance from the media. Speak to people, talk about finances, and use popular language to interpret the knowledge of macroeconomic policies, real estate, insurance, funds and other financial fields. The mission of Xiaosi is to enable everyone to make money and save money.
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