目前各家保险公司对于“保险责任”等专业名词的概念定位上没有统一标准,消费者购买重疾险等产品竟然需要赁比70多家才能周全。重疾险的保险对象是人,有男女老幼之分,但某些病种的医学概念是不能由保险公司自己来解释的,而应该由保险行业协会对主要病种进行统一解释。 At present, various insurance companies do not have a unified standard for the concept of “insurance liability” and other professional terms. Consumers who purchase such products as serious diseases need to borrow more than 70 in order to be comprehensive. Critical illness insurance is the object of people, men and women of all ages, but some of the medical concept of the disease can not be explained by the insurance company themselves, but should be the insurance industry associations unified interpretation of the major diseases.