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合法吗？　　案情简介　　李某之父为李某在某保险公司处投保重大疾病保险，基本保险金额为200000元。　　合同条款重大疾病范围包含“严重胰岛素依赖型糖尿病”，重大疾病定义部分载明“本疾病须经血胰岛素测定、血病C肽测定或者尿C肽测定检查证实，且被保险人实际接受了持续的胰岛素治疗180天以上，并须满足下列至少一项条件：（1）并发增殖性视网膜病变；（2）并发心脏病变，并须植入心脏起搏器进行治疗；（3）至少

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