Does social security include medical insurance for serious illness?

Social security includes medical insurance for serious illness.

Whether social security includes medical insurance for serious illness is a concern of many people. Social security, that is, social insurance, is an important part of China's social security system, aiming to provide basic protection for the insured in the event of risks such as birth, old age, illness, death, injury and disability. Among them, medical insurance is an important part of social security, which is used to reimburse part of the expenses of the insured in the medical process.

First, the basic composition of social security

Social security usually includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Among them, medical insurance is mainly used to reimburse the insured for medical expenses when he is sick or injured, including hospitalization expenses, surgery expenses, medicine expenses, etc.

Second, the definition and characteristics of medical insurance for serious illness

Critical illness medical insurance is an insurance system established for some major diseases or high medical expenses. Its purpose is to reduce the financial burden of the insured when suffering from serious diseases and ensure that the insured can get timely and effective treatment.

3. Does social security include medical insurance for serious illness?

In China, medical insurance in social security usually includes basic medical insurance and serious illness medical insurance. Basic medical insurance is mainly used to reimburse general medical expenses, and serious illness medical insurance is used to reimburse some specific major diseases or high medical expenses. Therefore, it can be said that social security includes medical insurance for serious illness.

However, it should be noted that different regions and different social security policies may be different. In some areas, critical illness medical insurance may be regarded as a separate insurance item, which needs to be purchased by the insured; However, in some areas, critical illness medical insurance may be included in the basic medical insurance coverage, and no additional purchase is required. Therefore, whether the specific critical illness medical insurance is included needs to be determined according to the local social security policy.

To sum up:

Social security includes medical insurance for critical illness, but details such as inclusion, scope and reimbursement ratio need to be determined according to local social security policies. When the insured understands his social security rights and interests, he should carefully consult relevant local policies and regulations to ensure that his rights and interests are protected.

Legal basis:

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

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.