What is large medical insurance?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! Large medical insurance refers to the medical expenses that the insured exceeds the maximum payment limit of the basic medical insurance pooling fund due to serious illness or serious illness. On the basis of basic medical insurance, municipal medical insurance has established a large-scale medical insurance system.

What is large medical insurance?

Large medical insurance is based on basic medical insurance. The employer shall pay a large amount of medical insurance premium for each employee and retiree every month according to 1% of the payment base of employees and retirees (the amount of large medical insurance premium paid every month in each region is different). Employers, employees and retirees who participate in the municipal overall planning of basic medical insurance shall participate in the mutual insurance of large medical expenses while participating in the basic medical insurance. Employees and retirees who pay large medical insurance premiums enjoy large medical insurance benefits. When the medical expenses exceed the maximum payment limit of the basic medical insurance pooling fund, large medical insurance will pay their medical expenses. The scope of medical expenses paid by large medical insurance is the same as that of basic medical insurance.

Large medical insurance in social security is often limited by the maximum amount of compensation. In the aspect of reimbursement for serious illness, it is often limited to reasonable basic medical expenses and cannot cover the medical expenses caused by the latest treatment technology. Buying a commercial critical illness insurance in advance can often make up for these shortcomings. The website not only provides a variety of critical illness insurance, but also offers affordable premiums.