![](data:image/png;base64,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联合发布的《重大疾病保险的疾病定义使用规范(2020 年修订版)》中列
明的疾病,其他为我们增加的疾病。
指恶性细胞不受控制的进行性增长和扩散,浸润和破坏周围正常组织,可
以经血管、淋巴管和体腔扩散转移到身体其他部位,病灶经组织病理学检
查
22
(涵盖骨髓病理学检查)结果明确诊断,临床诊断属于世界卫生组织
(WHO,World Health Organization)《疾病和有关健康问题的国际统计分
类》第十次修订版(ICD-10)
23
的恶性肿瘤类别及《国际疾病分类肿瘤学
专辑》第三版(ICD-O-3)
24
的肿瘤形态学编码属于 3、6、9(恶性肿瘤)
范畴的疾病。
下列疾病不属于“恶性肿瘤——重度”,不在保障范围内:
(1) ICD-O-3 肿瘤形态学编码属于 0(良性肿瘤)、1(动态未定性肿瘤)、
2(原位癌和非侵袭性癌)范畴的疾病,如:
a.原位癌
25
,癌前病变,非浸润性癌,非侵袭性癌,肿瘤细胞未侵
犯基底层,上皮内瘤变,细胞不典型性增生等;
b.交界性肿瘤,交界恶性肿瘤,肿瘤低度恶性潜能,潜在低度恶性
肿瘤等;
(2) TNM 分期
26
为Ⅰ期或更轻分期的甲状腺癌;
(3) TNM 分期为 T
1
N
0
M
0
期或更轻分期的前列腺癌;
(4) 黑色素瘤以外的未发生淋巴结和远处转移的皮肤恶性肿瘤;
(5) 相当于 Binet 分期方案 A 期程度的慢性淋巴细胞白血病;
(6) 相当于 Ann Arbor 分期方案Ⅰ期程度的何杰金氏病;
(7) 未发生淋巴结和远处转移且 WHO 分级为 G1 级别(核分裂像<10/50
HPF 和 ki-67≤2%)或更轻分级的神经内分泌肿瘤。
急性心肌梗死指因冠状动脉闭塞或梗阻引起部分心肌严重的持久性缺血
造成急性心肌坏死。急性心肌梗死的诊断须依据国际国内诊断标准,符合:
(1) 检测到肌酸激酶同工酶(CK-MB)或肌钙蛋白(cTn)升高和/或
组织病理学检查指通过局部切除、钳取、穿刺等手术方法,从患者机体采取病变组织块,经过包埋、切片后,进行病理检
查的方法。通过采集病变部位脱落细胞、细针吸取病变部位细胞、体腔积液分离病变细胞等方式获取病变细胞,制成涂片,
进行病理检查的方法,属于细胞病理学检查,不属于组织病理学检查。
ICD-10 指《疾病和有关健康问题的国际统计分类》第十次修订版(ICD-10),是世界卫生组织(WHO)发布的国际通用的
疾病分类方法。
ICD-O-3 指《国际疾病分类肿瘤学专辑》第三版(ICD-O-3),是 WHO 发布的针对 ICD 中肿瘤形态学组织学细胞类型、
动态、分化程度的补充编码。其中形态学编码:0 代表良性肿瘤;1 代表动态未定性肿瘤;2 代表原位癌和非侵袭性癌;3
代表恶性肿瘤(原发性);6 代表恶性肿瘤(转移性);9 代表恶性肿瘤(原发性或转移性未肯定)。
如果出现 ICD-10 与 ICD-O-3 不一致的情况,以 ICD-O-3 为准。
原位癌指恶性细胞局限于上皮内尚未穿破基底膜浸润周围正常组织的癌细胞新生物。被保险人须经对固定活组织的组织病
理学检查明确诊断为原位癌,并实际接受了针对原位癌病灶的积极治疗。
TNM 分期指采用 AJCC 癌症分期手册标准。该标准由美国癌症联合委员会与国际抗癌联合会 TNM 委员会联合制定,是目
前肿瘤医学分期的国际通用标准。T 指原发肿瘤的大小、形态等;N 指淋巴结的转移情况;M 指有无其他脏器的转移情况。