重疾险官方标准的出台还需要一定的时日,在此阶段,作为一名理智的消费者切不可因噎废食,应充分了解重疾险产品,并根据自身情况合理地进行选择。 It is also a matter of time before the introduction of the official standards for major disability insurance. At this stage, as a rational consumer, it is imperative to fully understand the products of major disability risks and make reasonable choices according to their own circumstances.