The critical illness insurance does not cover pneumonia. Pneumonia is not a major disease, and you can't get critical illness insurance claims if you get pneumonia. The diseases covered by critical illness insurance can be found in the insurance clauses. Different products contain different types of diseases, but they must all contain 28 major diseases and 3 minor diseases required by the CIRC. Most of the critical illness insurance products on the market will add other types of diseases and protection on the basis of the diseases required by the CIRC.

The diseases of critical illness insurance are generally divided into six categories, each of which is representative, and the treatment cost of these diseases is very high, which seriously affects the normal work and life of patients and their families for a long time. Specifically, it includes the following contents:

1. Diseases related to malignant tumor, such as malignant tumor-severe and malignant hydatidiform mole;

The second is diseases related to heart or cardiovascular and cerebrovascular diseases, such as severe coronary heart disease, aortic dissection and coronary artery bypass grafting. ;

Third, diseases related to stroke and nervous system, such as severe stroke sequelae, craniotomy and severe brain injury;

4. Diseases related to severe impairment of organ function, such as biliary tract reconstruction, blindness, severe aplastic anemia, severe acute necrotizing pancreatitis, etc.

5. Diseases related to respiratory system, such as severe asthma, severe chronic respiratory failure and severe pulmonary sarcoidosis;

Six, other major diseases, such as rubber disease, pheochromocytoma, severe rheumatoid arthritis, primary scoliosis correction surgery.