Does employee medical insurance have critical illness insurance?

Employee medical insurance has critical illness insurance.

When the insured employee goes to the hospital for treatment due to illness, the medical expenses incurred can be reimbursed by the general medical insurance in the employee medical insurance. If the expenses after reimbursement exceed the specified amount, you can make a second reimbursement through critical illness insurance.

The reimbursement scope of employee medical insurance and critical illness insurance is as follows:

1, reimbursement for specific diseases and specific treatments, such as outpatient treatment and hospitalization expenses for some major diseases, such as cancer and uremia dialysis. , generally included;

2. For the second reimbursement of high medical expenses, as long as the part that meets the relevant laws and regulations after reimbursement of basic medical insurance can still reach the deductible line for reimbursement of serious illness, you can use medical insurance for reimbursement of serious illness.

The following materials shall be provided for reimbursement of serious illness insurance:

1. We need to provide the original and photocopy of the valid ID card, the original and photocopy of the bank card and the original and photocopy of the social security card when reimbursing the employee's serious illness medical insurance;

2. The reimbursement person's discharge record and hospitalization expenses list, the original and photocopy of invoices and receipts, etc. ;

3. After preparing these materials, we can submit them to the designated hospital for preliminary examination, and the designated hospital will submit them to the medical insurance agency for final examination. Those who pass the final examination shall be reimbursed by the urban medical insurance agency for serious illness medical insurance.

To sum up, serious illness insurance is a kind of social medical mutual assistance based on the employee medical insurance system, which can solve the serious illness medical needs of the insured employees, so that everyone can reimburse more medical expenses after suffering from a serious illness, thus bearing less expenses.

Legal basis:

Article 25 of People's Republic of China (PRC) Social Insurance Law

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.