What is the significance of supplementary medical insurance for critical illness?

Mutual medical insurance for serious illness of urban workers.

According to the social security network, mutual medical insurance for serious illness is the so-called mutual medical insurance for serious illness of urban workers, which is a supplement to the basic medical insurance for urban workers. It refers to the establishment of urban workers on the basis of participating in basic medical insurance to solve the medical expenses of insured patients exceeding the maximum payment limit of the basic medical insurance pooling fund. The most basic medical insurance can only be reimbursed about 60%, and the rest of the expenses need to be borne by individuals. Therefore, if you encounter huge expenses, even if you reimburse some of them, you will actually suffer a lot of personal losses. In this insurance, it appears as a supplementary insurance, so it may be of little use in the short term, but in the long run, it is still worth buying. Of course, in real life, this kind of insurance also has certain limitations. For example, some diseases caused by illegal acts are not covered by mutual medical insurance for serious illness.