![](data:image/png;base64,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)
君龙特药无忧特定药品费用医疗保险(互联网)条款 君龙人寿保险有限公司
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(2) 遗传性疾病15,先天性畸形、变形或染色体异常16;
(3) 被保险人感染艾滋病病毒或患艾滋病17,既往症18;
(4) 进行未经科学或者医学认可的试验性或者研究性治疗以及由此产生相
关费用;
(5) 被保险人的疾病状况,经专科医生审核,确定对药品已经耐药19后仍继
续购买该药品;
(6) 特定药品处方的开具与中国国家药品监督管理局批准的该药品说明书
中所列明的适应症和用法用量不符;
(7) 战争、军事冲突、暴乱或武装叛乱;
(8) 核爆炸、核辐射或核污染。
发生上述情形导致被保险人产生恶性肿瘤——重度特定药品费用的,我们不
承担给付保险金的责任,本合同对被保险人继续有效。
除“3.1 责任免除”外,本合同中还有一些免除保险人责任的条款,详见
“1.3 犹豫期”、“1.4 犹豫期后解除合同(退保)的手续及风险”、
“2.3 保险期间”、“2.4 等待期”、“2.5 保险责任” “4.1 恶性肿瘤—
—重度的定义”、“5.1 授权申请及处方审核”、“6.2 保险事故通知”、
“8.1 明确说明与如实告知”、“8.4 年龄错误”、“脚注2 现金价值”、
“脚注5 医院”、“脚注7 合理且必要”、“脚注8 特定药品”、“脚注10
特定药品目录”、“脚注11 指定药店”及“脚注20 组织病理学检查”中背
景突出显示的内容。
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20
(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
遗传性疾病:指生殖细胞或受精卵的遗传物质(染色体和基因)发生突变或畸变所引起的疾病,通常具有由亲代传至后
代的垂直传递的特征。
先天性畸形、变形或染色体异常:指被保险人出生时就具有的畸形、变形或染色体异常。先天性畸形、变形和染色体异
常依照世界卫生组织《疾病和有关健康问题的国际统计分类》第十次修订版(ICD-10)确定。
感染艾滋病病毒或患艾滋病:艾滋病病毒指人类免疫缺陷病毒,英文缩写为HIV。艾滋病指人类免疫缺陷病毒引起的获
得性免疫缺陷综合症,英文缩写为AIDS。在人体血液或其它样本中检测到艾滋病病毒或其抗体呈阳性,没有出现临床症
状或体征的,为感染艾滋病病毒;如果同时出现了明显临床症状或体征的,为患艾滋病。
既往症:指被保险人在本合同生效日之前已患的且医生已有明确诊断的有关疾病。
耐药:指以下两种情况之一: (1)实体肿瘤病灶按照《实体瘤治疗疗效评价标准(RECIST)》出现疾病进展,即定义为
耐药;(2)非实体肿瘤(包含白血病、多发性骨髓瘤、淋巴瘤等血液系统恶性肿瘤)在临床上常无明确的肿块或者肿块
较小难以发现,经规范治疗后,按权威医学机构(如中国临床肿瘤学会、中华医学会血液分会等)的指南规范,对患者
的骨髓形态学、流式细胞、特定基因检测等结果进行综合评价,得出疾病进展的结论,即定义为耐药。
组织病理学检查:组织病理学检查是通过局部切除、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。需要明确的是,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。