Scope of reimbursement for serious illness of medical insurance card

The scope of reimbursement for serious illness of medical insurance card mainly includes 20 diseases.

They are: childhood leukemia, congenital heart disease, end-stage renal disease, breast cancer, cervical cancer, severe mental illness, drug-resistant tuberculosis, AIDS opportunistic infection, hemophilia, chronic myeloid leukemia, cleft lip and palate, lung cancer, esophageal cancer, gastric cancer, type I diabetes, hyperthyroidism, acute myocardial infarction, cerebral infarction, colon cancer and rectal cancer. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks.

The application steps of medical insurance for serious illness are as follows:

1, apply for registration. The insured brings the original and photocopy of his ID card to the business hall of the insurance company, selects the medical insurance products suitable for him, and then fills in the insurance application form;

2. Choose payment methods, including one-time payment, annual payment and monthly payment.

3. Handle or submit a current bank card for paying premiums or receiving insurance benefits in the future;

4. Read and sign the insurance contract. The insured shall read the terms of the medical insurance contract for serious illness in detail and sign it after confirming that there is no objection;

5. Pay the premium. After signing the insurance contract, the insured must pay the down payment. If it is paid annually, the corresponding premium will be paid every year.

To sum up, the medical expenses of the insured shall be paid by the basic medical insurance fund, which shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

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