For ordinary people, once they suffer from a major illness, the cost of surgery and later rehabilitation is a huge expense, and many families are stretched to the limit when facing a serious illness, so that their families are in trouble. So. The state carries out serious illness insurance, which reimburses the high medical expenses incurred by urban and rural residents due to serious illness, with the purpose of avoiding poverty caused by illness and returning to poverty due to illness.

medical insurance for serious illness is the medical rescue fund for serious illness, and medical insurance for serious illness is a necessary supplement to basic medical insurance. It is the reimbursement amount enjoyed by employees' medical insurance and started after exceeding the upper limit of basic medical insurance reimbursement. For example, the upper limit of reimbursement for basic medical insurance is 8, yuan, and the part that exceeds 8, yuan will continue to be reimbursed by serious illness medical insurance, and the upper limit of reimbursement is 18, yuan. The total reimbursement limit for basic medical insurance and major illness medical insurance is 26,. For some serious diseases that are particularly expensive, China will establish a supplementary medical insurance reimbursement system, which will be reimbursed again on the basis of basic medical insurance reimbursement, and the actual reimbursement ratio is required to be no less than 5%. The object of serious illness insurance is the insured of urban residents' medical insurance and the new rural cooperative medical system, and the funds needed are drawn from the urban residents' medical insurance fund and the new rural cooperative medical system fund, so as not to increase the individual payment burden of the masses.

once suffering from a major illness, no matter whether it is basic medical insurance or serious illness medical insurance, the self-funded part will not be reimbursed. However, the proportion of self-funded drugs used for serious illness is very high, plus the high cost of rehabilitation and treatment in the later period. Although the medical insurance reimbursement for serious illness is 26 thousand, the actual cost is more than 4 thousand. Then at this time, commercial insurance is needed to supplement it.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.