If it is a chronic disease, it may need insurance coverage, except for diseases, which may not be reimbursed, but medical expenses caused by other diseases can still be reimbursed.

Serious illness medical insurance is a special medical insurance fund set up to protect the medical needs of urban workers for major diseases, which is used to pay the medical expenses incurred by the insured during the year when they participate in the basic medical insurance for urban workers and exceed the maximum payment limit of the basic medical insurance. In 20 13 years, the focus of rural medical security in China will shift to serious illness.