豁免重疾是什么意思？

中文版：

豁免重疾是指在某些保险合同中，当投保人或被保险人罹患合同中约定的重大疾病时，他们将无需继续缴纳剩余的保费，而保险合同依然有效。这一条款旨在为投保人或被保险人在面临重大疾病的经济压力时提供财务上的帮助，确保他们不会因为经济原因而放弃治疗或失去保险保障。

豁免重疾的覆盖范围通常包括一些常见的重大疾病，如癌症、心脏病、中风等。当投保人或被保险人被确诊患有这些疾病时，他们将获得保费的豁免权益。这一权益的触发通常需要满足一定的条件，如确诊疾病的种类必须在合同约定的范围内，且需要提供相关的医学证明文件。

豁免重疾条款的引入，使得保险合同更加人性化和灵活。它减轻了患者在面对重大疾病时的经济负担，让他们能够更加专注于治疗和康复。同时，这也为保险公司提供了一种方式来更好地满足客户的实际需求，提高了保险产品的吸引力和竞争力。

英文版：

What Does Waiver of Major Illness Mean?

Waiver of major illness refers to a clause in some insurance contracts where, upon the policyholder or insured being diagnosed with a specified critical illness outlined in the contract, they are relieved of the obligation to continue paying the remaining premiums, while the insurance contract remains valid. This provision aims to provide financial assistance to the policyholder or insured when facing the economic burden of a critical illness, ensuring that they do not abandon treatment or lose insurance coverage due to financial constraints.

The coverage of waiver of major illness typically includes common critical illnesses such as cancer, heart disease, stroke, and more. When the policyholder or insured is diagnosed with one of these illnesses, they become eligible for the premium waiver benefit. The triggering of this benefit usually requires certain conditions to be met, such as the illness being within the scope specified in the contract and the provision of relevant medical documentation.

The introduction of the waiver of major illness clause makes insurance contracts more user-friendly and flexible. It alleviates the financial burden on patients facing critical illnesses, allowing them to focus more on treatment and recovery. At the same time, it also provides insurance companies with a way to better meet their customers' actual needs, enhancing the appeal and competitiveness of insurance products.