How to handle medical insurance for serious illness?

Legal analysis: for the way of handling medical insurance for serious illness, the parties can bring their ID cards, social security cards, diagnosis certificates and other materials to the designated hospitals for registration and verification; After verification, the relevant medical expenses can be reimbursed within the scope of medical insurance according to law, and designated medical institutions can provide one-stop instant settlement services for the parties. Serious illness medical insurance requires the insured person to fill in the Personal Application Form for Outpatient Medical Certificate of Special Diseases, and submit the completed application form, recent discharge records, outpatient medical records and related inspection materials to the unit. The unit sealed to confirm that the disease was reported to the municipal medical insurance center for approval. If you seek medical treatment locally, you can directly debit the card for settlement, and you don't need to submit another reimbursement. 1, urban and rural minimum living allowances, rural five-guarantee households, and special care recipients who enjoy state pension subsidies, with relevant certificates and supporting materials, go to designated medical institutions for immediate settlement of medical expenses, which will be paid by the medical assistance fund, and the designated medical institutions will pay in advance according to the agreement, and the relief objects only need to pay the self-paid part. The amount of medical assistance for each instant settlement of the above-mentioned relief objects shall be paid in time by the local civil affairs department according to the actual needs and affordability.

2, urban and rural low-income families with serious illness, as well as other people with special difficulties as stipulated by the local government, when applying for medical assistance, they must submit a written application to the street civil affairs window where the household registration is located with relevant documents and supporting materials, and issue this year's diagnosis medical records and necessary medical history supporting materials. After receiving the application, they will send people to conduct household surveys, and the first-level civil affairs department will timely approve the application materials.

After receiving the approval form from the civil affairs department at the same level, the financial department at the county level will timely inject the relief funds into its designated financial institutions and implement socialized distribution. If it does not meet the conditions for assistance, it shall explain the reasons in writing and notify the applicant.

Legal basis: Item (4) of Article 5 of the Guiding Opinions on Developing Serious Illness Insurance for Urban and Rural Residents continuously improves the ability and level of management and service of serious illness insurance. Standardize the management of funds, and the premiums obtained by commercial insurance institutions from undertaking serious illness insurance shall be accounted separately to ensure the safety and solvency of funds. Strengthen the connection with urban residents' medical insurance and the new rural cooperative medical system, and provide "one-stop" instant settlement service to ensure that people can enjoy the treatment of serious illness insurance conveniently and timely. Authorized by the urban residents' medical insurance and the new rural cooperative medical system, necessary information exchange and data sharing can be carried out based on the urban residents' medical insurance and the new rural cooperative medical system, so as to improve the service process and simplify the reimbursement procedures. Give full play to the advantages of the national network of commercial insurance institutions and provide services such as off-site settlement for the insured (co-insured). Cooperate with the basic medical insurance to promote the reform of payment methods, standardize medical behavior and control medical expenses according to the norms of diagnosis and treatment and clinical pathway.