What are the coverage of critical illness medical insurance?

Social security critical illness insurance is to reimburse urban and rural residents for high medical expenses caused by major diseases. Its purpose is to solve the problem of "returning to poverty due to illness", so that most people no longer use diseases and fall into economic difficulties. So, what are the scope of social security major illness insurance? Let's take a look at this article! For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

What are the scope of social security critical illness insurance?

Social security critical illness insurance, like all other insurance products, is not all-inclusive It is understood that employees and retirees who are sick, non-work-related injuries, and one-time hospitalization within 30 days or accumulated medical expenses exceeding 2,000 yuan belong to the scope of social security serious illness insurance.

There are exceptions to everything, and the following situations are not covered by social security serious illness insurance: those who go to non-designated hospitals without approval (except emergency rescue); Suffering from occupational diseases, work-related injuries or recurrence of old injuries; Injuries caused by traffic accidents; Injuries caused by my illegal acts; Food poisoning caused by liability accidents; Treatment for suicide (except psychotic episode); Injuries caused by medical accidents; According to the relevant regulations of the state, medical expenses should be taken care of by themselves.

After understanding the scope of social security critical illness insurance, we have a clearer understanding of which items can be reimbursed and which items cannot be reimbursed. When reimbursing, you can be targeted and do less useless work.

What diseases does social security critical illness insurance cover?

20 12 On August 30th, six ministries and commissions, including the National Development and Reform Commission, the Ministry of Health, the Ministry of Finance, Ministry of Human Resources and Social Security, the Ministry of Civil Affairs and the China Insurance Regulatory Commission, issued "Guiding Opinions on Developing Serious Illness Insurance for Urban and Rural Residents", clearly aiming at the heavy burden of serious illness of urban residents' medical insurance and new rural cooperative medical insurance (NCMS) participants, introducing market mechanism and establishing a social security serious illness insurance system to reduce the burden of serious illness for urban and rural residents, and there is no reimbursement ratio for serious illness medical insurance.

The personal burden of the social security serious illness insurance insured within the scope of reimbursement of basic medical insurance shall be reimbursed by 75% of the supplementary medical insurance for serious illness; That is, the insured exceeds the maximum payment limit of the basic medical insurance pooling fund, which is in line with the personal burden within the scope of basic medical insurance reimbursement, and the social security serious illness insurance mutual supplementary insurance reimbursement is 75%; In a natural year, the cumulative maximum reimbursement amount is 400,000 yuan.

20 diseases included in critical illness protection: childhood leukemia, congenital heart disease, end-stage renal disease, breast cancer, cervical cancer, severe mental illness, drug-resistant tuberculosis, AIDS opportunistic infection, hemophilia, chronic myeloid leukemia, cleft lip and palate, lung cancer, esophageal cancer, gastric cancer, type I diabetes, hyperthyroidism, acute myocardial infarction, cerebral infarction, colon cancer and rectal cancer. What kind of critical illness insurance are there for children? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

After understanding the scope of social security critical illness insurance, we must think carefully and make full planning and preparation for our future in order to become the winner of life.