Shandong Taian citizen insurance is guided by Taian Medical Insurance Bureau, supervised by Taian Banking Insurance Supervision Branch, and underwritten by many insurance companies such as Sunshine Property Insurance. Focus on ensuring hospitalization medical expenses and cancer special drugs, with a maximum guarantee of 2 million, in which the hospitalization expenses are reimbursed by medical insurance and other relevant departments, covering the expanded data of self-funded expenses and compliance expenses inside and outside the medical insurance catalogue; Insurance is a Chinese word, English is insurance or insurance, which means safe and reliable protection; Later, it expanded into a guarantee mechanism, a tool for planning life finance, and a basic means of risk management under the condition of market economy. Insurance is an important pillar of the financial system and social security system. It refers to the commercial insurance behavior that the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the liability for property losses caused by possible accidents agreed in the contract, or the insured bears the liability for paying insurance money when he dies, suffers from disability, illness or reaches the age and time limit agreed in the contract. From the perspective of economics, insurance is a kind of sharing of unexpected losses. From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management. Commercial insurance refers to a form of for-profit insurance operated by professional insurance companies through concluding insurance contracts. Commercial insurance relationship is a contractual relationship concluded by the parties voluntarily. According to the contract, the insured pays the insurance premium to the insurance company, and the insurance company is liable for the property losses caused by the possible accidents stipulated in the contract. Commercial insurance business should aim at profit, obtain the maximum profit, and ensure that the insured can enjoy the maximum economic security. The objects of commercial insurance can be people and things (tangible and intangible), specifically life and body, property, interests, responsibilities and property-related creditor's rights. Social insurance refers to the social insurance fund formed by collecting insurance premiums, which provides basic living security for members who lose their working ability or job opportunities due to old age, illness, maternity, disability, death, unemployment and other reasons.