Legal subjectivity:

First, critical illness medical insurance is a special medical insurance fund established to protect the medical needs of urban employees for major diseases. It is used to pay for those who participate in the basic medical insurance for urban employees. For insured persons, the accumulated medical expenses incurred during the year exceed the maximum payment limit of basic medical insurance (excluding out-of-pocket expenses). Second, according to regulations: Medical expenses incurred under any of the following circumstances are not covered by critical illness medical insurance: 1. Seeking treatment in non-designated hospitals without approval (except for emergency rescue); 2. Suffering from occupational diseases, work-related injuries or old work-related injuries Relapse; 3. Injuries caused by traffic accidents; 4. Injuries caused by personal violation of the law; 5. Food poisoning caused by responsible accidents; 6. Treatment due to suicide; 7. Injuries caused by medical accidents; 8. According to the regulations of the state and this city, medical expenses should be paid by oneself. Third, diseases that can be included in the reimbursement scope of critical illness medical insurance: Not all diseases are "critical illnesses", and not all diseases can be reimbursed. my country's insurance industry has unified and unified the expressions of the 25 most common diseases in critical illness insurance products. According to the standard, the names of these 25 diseases are as follows: 1. Malignant tumors - excluding some early malignant tumors 2. Acute myocardial infarction 3. Sequelae of stroke - permanent functional impairment 4. Major organ transplantation or hematopoietic stem cell transplantation - required Allogeneic transplant surgery 5. Coronary artery bypass grafting (or coronary artery bypass grafting) - requires thoracotomy 6. End-stage renal disease (or uremic stage of chronic renal failure) - requires dialysis treatment or kidney transplantation 7. Multiple limb loss—complete disconnection8, acute or subacute severe hepatitis9, benign brain tumor—needs craniotomy or radiotherapy10, decompensation of chronic liver failure—excluding alcohol or drug abuse11 , sequelae of encephalitis or meningitis - permanent functional impairment 12. Deep coma - not including alcohol or drug abuse 13. Deafness in both ears - permanent and irreversible 14. Blindness in both eyes - permanent and irreversible 15. Paralysis - permanent and complete 16 , Heart valve surgery—thoracotomy required 17. Severe Alzheimer’s disease—complete loss of ability to live independently 18. Severe brain damage—permanent functional impairment 19. Severe Parkinson’s disease—complete loss of ability to live independently 20. Severe III Degree burns - at least 20% of the body surface area 21. Severe primary pulmonary hypertension - with symptoms of heart failure 22. Severe motor neuron disease - complete loss of ability to live independently 23. Loss of language ability - complete loss and active treatment for at least 12 Month 24. Severe aplastic anemia 25. Aortic surgery - thoracotomy or laparotomy required Legal objective:

Article 23 of the "Social Insurance Law" Employees shall participate in the basic medical insurance for employees, which shall be provided by Employers and employees jointly pay basic medical insurance premiums in accordance with national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other people with flexible employment can participate in the basic medical insurance for employees, and individuals must pay the basic medical insurance premiums in accordance with national regulations.