What does it mean that critical illness insurance is included in social security?

1, what is critical illness insurance:

Critical illness insurance refers to the commercial insurance behavior that the insurance company pays the insurance money according to the insurance contract when the insured reaches the state of major diseases agreed in the insurance clauses when certain major diseases such as malignant tumor, myocardial infarction and cerebral hemorrhage occur as risks. "

2. What is social security?

Social security is social insurance. Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed.

3. What diseases are "guaranteed" by social security?

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

4. Summary

The major diseases included in medical insurance in social security are different from those included in critical illness insurance, and their nature is also different.

The coverage of serious illness insurance should be connected with urban residents' medical insurance and the new rural cooperative medical system. The medical insurance for urban residents and the new rural cooperative medical system should provide basic medical security according to the policy.

On this basis, the major illness insurance mainly guarantees the eligible medical expenses of urban residents compensated by medical insurance and the new rural cooperative medical system when the insured (co-insured) is seriously ill and the medical expenses are high. High medical expenses can be judged by the fact that the accumulated annual compliance medical expenses of individuals exceed the annual per capita disposable income of urban residents and the annual per capita net income of rural residents announced by local statistical departments, and the specific amount is determined by local governments.

The main diseases covered by medical insurance are:

Major diseases in critical illness insurance: