Secondary reimbursement of medical insurance for serious illness

Legal analysis: The second reimbursement of critical illness insurance is a subsidy given to the insured with heavy medical expenses in the medical insurance policy, mainly aiming at the medical expenses paid by the inpatients themselves reaching a certain upper limit, and then giving the insured a certain subsidy according to a certain proportion for the part exceeding the upper limit. Policies vary from place to place. If you want to know the specific local policies, it is recommended that you directly consult the local medical insurance agency or call the local social security consultation telephone number 12333. For the insured who participate in the new rural cooperative medical system, they should first apply for reimbursement of the new rural cooperative medical system, and then apply for the second reimbursement of serious illness medical insurance. Those who do not enjoy the basic medical insurance benefits of the new rural cooperative medical system cannot enjoy the reimbursement benefits of serious illness medical insurance. Legal basis: People's Republic of China (PRC) Social Insurance Law.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.