What is critical illness medical insurance?

Serious illness medical insurance, also known as "serious illness insurance for urban and rural residents", is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness, with the aim of solving the problem of "poverty caused by illness and returning to poverty due to illness" strongly reflected by the masses, so that most people will not fall into economic difficulties due to illness. 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 the Guiding Opinions on Carrying out Social Security Serious Illness Insurance, which clearly aimed at the problem of heavy serious illness burden of urban residents' medical insurance and the new rural cooperative medical insurance, introduced the market mechanism, and established a serious illness insurance system to reduce the serious illness burden of urban and rural residents. The proportion of reimbursement for serious illness medical insurance is not less than 50%.

Second, the scope of serious illness

Major diseases refer to diseases that require a lot of money to treat and seriously affect the normal work and life of patients and their families in a long period of time, generally including: malignant tumors, serious cardiovascular and cerebrovascular diseases, operations that require major organ transplantation, injuries that may lead to lifelong disability, advanced chronic diseases, deep coma, permanent paralysis, severe craniocerebral injury, severe Parkinson's disease and severe psychosis.

In fact, critical illness medical insurance is a kind of insurance with wider coverage. The definition and expansion of disease types have brought light to more families with difficulty in seeing a doctor. If the insured participates in serious illness medical insurance, the accumulated medical expenses incurred by the insured in a natural year exceed the deductible line of serious illness medical insurance, and can be reimbursed by serious illness medical insurance. Generally speaking, the higher the self-generated medical expenses, the higher the reimbursement ratio will be.

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