Residents' medical insurance includes critical illness insurance.

Residents' medical insurance and serious illness insurance is an institutional arrangement to further protect the high medical expenses incurred by seriously ill patients on the basis of basic medical insurance. Serious illness insurance can further reduce the burden of serious illness of urban and rural residents, which is conducive to improving the national medical insurance system and building the bottom line of national health insurance.

To sum up:

Residents' medical insurance includes serious illness insurance in order to further reduce the burden of serious illness of urban and rural residents and improve the level of medical security.

Legal basis:

Article 26 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 28 of the Social Insurance Law of People's Republic of China (PRC) stipulates that 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.

Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

Article 30 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the following medical expenses are not included in the scope of payment of the basic medical insurance fund: (1) those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.