唇腭裂患者购买重疾险需要注意哪些赔付比例问题？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	唇腭裂患者购买重疾险需要注意哪些赔付比例问题？
释义	法律分析：重疾险赔付标准因保险公司、险种而异，需仔细核对保险合同。唇腭裂属于轻微的先天性疾病，不一定被列入重疾险赔付范围。法律依据： 1.《中华人民共和国保险法》第十六条：保险合同应当明确约定保险标的、保险金额、保险期间、保险费、保险责任和责任免除等内容。 2.《重大疾病保险实施办法》第三条：重大疾病保险责任包括医疗费用、生活费用、护理费用和其他费用。 3.《中华人民共和国医疗保险法》第十三条：医疗保险基金不承担轻微病、慢性病、不适用于医疗保险的疾病的医疗费用。
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