There are 1 1 kinds of poverty risks, such as illness, schooling, safe housing, safe drinking water, disability, natural disasters, accidents, failure of industrial projects, unstable employment or unemployment of migrant workers, lack of labor, and other reasons. Returning to poverty refers to people who have been out of poverty and returned to poverty due to various factors, as well as people who were not poor but were poor due to diseases or disasters. Poverty caused by illness and returning to poverty due to illness are staged from time to time in real life. Due to the aging population, the progress and renewal of medical technology and equipment, the medical expenses borne by residents have increased year by year, and it is difficult for basic medical insurance to solve the burden borne by the masses due to serious illness. Serious illness medical insurance has become an important institutional arrangement to reduce the medical burden of seriously ill patients, an important link to improve the medical insurance system and a popular project of Zebei people.

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity. Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.