When can Shenzhen social security critical illness insurance be used?

1. In the process of reimbursement of basic medical insurance, out-of-pocket expenses exceeding 1 10,000 yuan can be reimbursed by 70%, and the annual limit is10.5 million yuan. Social security critical illness insurance is to reduce the economic burden of patients with serious illness. As for the limit of 1.5 million, the insured need not worry. This 1.5 million can be used up if it is not reimbursed at its own expense.

2. 70% of the medical expenses incurred by the insured person suffering from serious illness are reimbursed by the social security critical illness insurance, which is the core item for the insured person. Because there will be more expenses outside the medical insurance catalogue in the process of treating serious illness, social security critical illness insurance can reimburse most self-funded drugs commonly used by patients with serious illness, which really plays a role in reducing the burden on patients.

Extended information Shenzhen social security critical illness insurance is essentially different from commercial critical illness insurance. Commercial critical illness insurance is a one-time payment. No matter how much medical expenses consumers spend, the insured amount shall prevail. Shenzhen social security critical illness insurance is compensatory, and the reimbursement expenses cannot exceed the medical expenses incurred. The two are not repetitive, but complementary.

For example, if someone suffers from a serious illness and spends 300,000 yuan on medical expenses, assuming that he can reimburse about 270,000 yuan from medical insurance and social security critical illness insurance, he only needs to bear 30,000 yuan. If you have a commercial critical illness insurance with a purchase amount of 300,000, you can get another 300,000 insurance money from the insurance company.

Shenzhen social security critical illness insurance is dominated by the government, which has certain welfare nature, and the conditions for participation are looser than those of commercial critical illness insurance. Although it is based on the principle of voluntary insurance, I still hope that everyone who has the conditions to participate in the insurance will participate.

Baidu encyclopedia-social security serious illness insurance