What do the 25 critical illnesses in critical illness medical insurance specifically refer to?

Supplementary medical insurance for serious illness is a special medical insurance fund established to protect the medical needs of urban employees for major diseases. It is used to pay for insured persons who participate in the basic medical insurance for urban employees. The accumulated medical insurance during the year exceeds the maximum payment limit of the basic medical insurance (40,000 yuan).

yuan) of medical expenses (excluding out-of-pocket expenses).

All insured persons participating in the basic medical insurance must pay 48 yuan in critical illness medical insurance premiums to the municipal and district social insurance bureaus per person every year. In the event of medical expenses exceeding the maximum payment limit of the basic medical co-ordination fund, the social insurance department shall pay: 0

- 85% will be reimbursed if the amount is less than 40,000 yuan, 90% will be reimbursed if the amount is 40,000-80,000 yuan, and 95% will be reimbursed if the amount is more than 80,000 yuan.

In each medical year, the maximum payment limit is RMB 150,000.

So what exactly do the 25 critical illnesses in critical illness medical insurance refer to?

The editor of Anti-Cancer Health Network will introduce it to you in detail.

What are the 25 critical illnesses included in critical illness insurance? Not all diseases are "critical illnesses", nor can they be fully reimbursed. my country's insurance industry has unified and standardized the expressions of the 25 most common illnesses in critical illness insurance products. 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 - Requires allogeneic transplantation 5. Coronary artery bypass grafting (or coronary artery bypass grafting) - requires thoracotomy? 6. End-stage renal disease (or called the uremic stage of chronic renal failure) - requires dialysis treatment or kidney transplantation 7. Loss of multiple limbs - complete disconnection 8. Acute or subacute severe hepatitis 9. Benign brain tumors - craniotomy or radiotherapy required 10. Decompensation of chronic liver failure - does not include alcohol abuse or Caused by drug abuse11. Sequelae of encephalitis or meningitis—permanent functional impairment12. Deep coma—excluding alcoholism or drug abuse13. Deafness in both ears—permanent and irreversible14. Blindness in both eyes—permanent and irreversible15. 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 - autonomy Complete loss of ability to live 20. Severe third-degree burns - at least 20% of body surface area 21. Severe primary pulmonary hypertension - manifestations of heart failure 22. Severe motor neurone disease - complete loss of ability to live independently? 23. Loss of language ability - Complete loss and active treatment for at least 12 months. 24. Severe aplastic anemia? 25. Aortic surgery - thoracotomy or laparotomy is required.