豁免重疾什么意思？

中文版：

豁免重疾是指在某些保险合同中，当被保险人不幸罹患合同中列明的严重疾病时，他们不必再继续缴纳剩余的保险费，同时保险合同依然有效。这种豁免条款旨在帮助被保险人在遭受重大疾病的经济打击时，缓解他们的财务压力，确保他们能够获得必要的医疗救治而不必担心保费的支付问题。

豁免重疾的具体涵盖范围因保险合同而异，但通常包括如癌症、心脏病、中风等常见且严重的疾病。当被保险人被医生确诊患有这些疾病之一时，他们将无需继续支付保费，而保险合同中的其他保障依然有效。这一条款的生效通常需要提供相关的医学证明文件，以证明被保险人确实患有合同中列明的疾病。

豁免重疾条款的存在使得保险合同更具人性化和实用性。它不仅体现了保险公司对被保险人在困境中的关怀与支持，也增强了保险产品的吸引力和市场竞争力。在购买保险时，了解豁免重疾条款的具体内容和适用范围对于消费者来说非常重要，这有助于他们在需要时获得最大的保障和利益。

英文版：

What Does "Waiver of Major Illness" Mean?

"Waiver of major illness" refers to a provision in certain insurance contracts that allows the insured to stop paying the remaining premiums without canceling the contract when they are diagnosed with a serious illness listed in the policy. This waiver clause aims to alleviate financial pressure on the insured during a critical health crisis, ensuring they can access necessary medical treatment without worrying about premium payments.

The specific coverage of the waiver of major illness varies from insurance contract to contract but often includes common and severe conditions such as cancer, heart disease, and stroke. Upon a doctor's confirmation of the insured's diagnosis with one of these illnesses, they are relieved of the obligation to continue paying premiums, while the other benefits under the insurance contract remain valid. The activation of this clause typically requires the provision of relevant medical documents to prove the insured's condition is indeed covered by the policy.

The existence of the waiver of major illness clause adds humanity and practicality to insurance contracts. It not only demonstrates the insurer's care and support for the insured during tough times but also enhances the appeal and competitiveness of insurance products. It is crucial for consumers to understand the specific details and scope of the waiver clause when purchasing insurance, as it helps them secure maximum protection and benefits when needed.