Employers and their employees and retirees who participate in the basic medical insurance according to the regulations shall participate in the mutual medical assistance for serious illness in their overall planning areas. The medical mutual aid fee for serious illness is temporarily paid by the employer to the medical insurance center before the end of March each year according to the standard of each person per year (including retirees) 120 yuan (including accidental injury insurance in 30 yuan).

legal ground

Article 28 of the Social Insurance Law

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.

Opinions of the General Office of the State Council on the Full Implementation of Serious Illness Insurance for Urban and Rural Residents

Standardize serious illness insurance services. In principle, commercial insurance institutions are selected to undertake serious illness insurance business through government bidding. The premiums obtained by commercial insurance institutions undertaking serious illness insurance shall be accounted for separately to ensure the safety and solvency of funds. Standardize the bidding and contract management of serious illness insurance. Follow the principle of balance of payments, capital preservation and low profit, and reasonably control the profitability of commercial insurance institutions.

Strict supervision and management. Strengthen the supervision of the operation of serious illness insurance, urge commercial insurance institutions to improve service quality and level, and take the initiative to accept social supervision. Strengthen the supervision of medical institutions, medical service behavior and quality, strengthen the norms of diagnosis and treatment, standardize medical behavior, and control medical expenses.