What are the policies related to serious illness insurance for urban workers and residents in Yandu District?

As we all know, a person suffering from a serious illness not only has to endure pain and suffering, but also bears a huge economic burden. Under the double torture of illness and economic pressure, the patient's mentality is difficult to be peaceful, so it will have a key impact on the condition.

What are the policies related to serious illness insurance for urban workers and residents in Yandu District?

This year, Yandu District issued a serious illness insurance policy for urban workers and urban residents. The following are the specific relevant contents of this policy:

1. What are the protected objects?

The protection object of serious illness insurance is mainly for the insured of basic medical insurance in local towns in Yandu District, provided that they are urban workers and urban residents in the local urban areas. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

2. What is the coverage of this critical illness insurance?

After the insured person's medical insurance reimbursement, the compliance medical expenses of special diseases in hospitalization and outpatient service with personal burden exceeding a certain level are included in the scope of protection. Specifically, there are the following items:

(1) Class B drugs, diagnosis and treatment items and service facilities shall be paid by individuals according to regulations;

(2) the expenses borne by the individual according to the prescribed proportion;

(3) after the approval of medical treatment in different places, the expenses paid in advance by individuals according to the prescribed proportion;

(4) Expenses exceeding the annual maximum payment limit;

(5) Outpatient medical expenses for specific serious diseases that exceed the maximum payment limit of large supplementary insurance.

3. What is the compensation ratio?

Serious illness insurance shall be compensated according to the individual burden: if the minimum deductible is more than 50,000 yuan, 50% compensation shall be given; 50,000 yuan ~100,000 yuan, with compensation of 60%; More than 100000 yuan, 70% compensation.

4. How to determine that "personal burden exceeds a certain level"?

"A certain level" refers to the threshold for payment of serious illness insurance, which should be calculated according to 50% of the per capita disposable income of residents in this city.

5. What are the special outpatient diseases?

13, Yandu District expanded outpatient special diseases. At present, there are 1 1 outpatient special diseases, namely: ankylosing spondylitis, myasthenia gravis, systemic lupus erythematosus, Parkinson's disease, psychosis, cerebrovascular accident (hemorrhage) recovery period, hemophilia, chronic renal insufficiency, aplastic anemia, chronic active hepatitis and malignant tumor. ?

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The reimbursement process of critical illness insurance is exquisite, and medical treatment in different places needs to be paid first!

Diseases often happen inadvertently, which makes people hard to prevent. Moreover, many people are insured locally, but when they see a doctor in a different place, they have to reimburse the critical illness insurance. The reimbursement process is not very clear? Let's take a look at the brief introduction.

20 17 The new policy of critical illness insurance was released.

Serious illness insurance is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness. The purpose is to solve the problem of "poverty caused by illness and returning to poverty due to illness", so that most people will not fall into economic difficulties because of illness. Let's learn about the new critical illness insurance policy of 20 17 today!