The critical illness insurance of medical insurance includes malignant tumor, obstructive emphysema, chronic pulmonary heart disease, bronchial asthma, chronic heart failure, chronic atrial fibrillation, hypertension, coronary heart disease, cardiomyopathy (primary), peptic ulcer, chronic hepatitis, liver cirrhosis, chronic glomerulonephritis, nephrotic syndrome, chronic renal failure and other diseases.

The reimbursement ratio of rural serious illness medical insurance in different medical institutions will be different. Details are as follows:

1. If the hospitalization reimbursement expenses of the first-class medical institutions are below 400 yuan, there is no deductible line;

2. The reimbursement rate of secondary medical institutions is 75% to 80%;

3. The reimbursement rate of tertiary medical institutions will be increased to 55% to 60%;

4. The reimbursement rate of provincial tertiary medical institutions is 55%;

5. The overall reimbursement rates of township clinics and village clinics are 65% and 75% respectively.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

legal ground

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

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall 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. Twenty-third 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.