Our country’s social medical insurance covers two parts: basic medical insurance for employees and basic medical insurance for urban and rural residents. However, no matter what kind of social medical insurance it is, there are binding requirements for reimbursement, and only the most basic medical insurance reimbursement problems can be solved.

And the scope of reimbursement is limited to above the deductible line, within the maximum payment limit, and in line with the scope of medical insurance reimbursement for regional drugs and medical expenses.

The highest medical insurance reimbursement ratio in rural hospitals can reach 90%, but the medical insurance reimbursement ratio in tertiary hospitals can only reach about 80%.

If it is commercial medical insurance for urban and rural residents, the maximum reimbursement ratio of medical insurance in tertiary hospitals can only be 50%.

If you suffer from a serious illness, because medical expenses are very expensive, you will not only be subject to limitations on the scope of expense reimbursement, but also be subject to restrictions on the proportion of medical insurance reimbursement and the maximum amount of expense reimbursement.

Therefore, just applying for social medical insurance will only deal with the most basic medical expenses, and there will be very large financial risks for patients with major diseases.

In my country's medical insurance, in accordance with the relevant regulations of the medical security system across the country, a multi-layered medical security system is advocated.

Social medical insurance solves the most basic basic medical insurance problems, critical illness medical insurance solves the problem of diagnosis and treatment pressure of major diseases, supplementary medical insurance solves the out-of-pocket problem after social medical insurance and critical illness cooperative medical reimbursement, and alleviates the medical insurance problem to the greatest extent.

The patient's cost pressure is also an efficient way to prevent financial risks caused by serious illness.

For example, Beijing recently launched the "Beijing Inclusive Health Insurance", which has been popular among the public since its release.

Beijing’s inclusive health insurance is a supplementary medical treatment under the premise of social medical insurance jointly launched by the Beijing Municipal Medical Security Bureau, Beijing Municipal Financial Supervision Bureau, and Beijing Municipal Banking and Insurance Regulatory Bureau. Anyone who participates in Beijing’s social medical insurance work

People, including insurance staff participating in urban employee medical insurance and urban and rural residents' medical insurance, can purchase it regardless of household registration and age.

Make sure that the first part of the specific content is the medical expense deposit within the medical insurance.

Covering general medical expenses and self-paid expenses in the outpatient medical insurance document directory, the insurance limit is 1 million; the second part is the insurance fund for medical expenses outside of medical insurance.

Covering all expenses outside the national medical insurance catalog are paid by the individual, and the insurance limit is 1 million; the third part is special equipment medical expense insurance.

Covering 100 kinds of overseas special medicines, cancer drugs, etc., the cost is guaranteed to be more than 1 million yuan.

The overall security limit of the above three parts is more than 3 million yuan, and social security will be gradually paid from July 2021, and the effective time will be from January to December 2022.

The annual cost of purchasing insurance is 195 yuan.

After the purchased insurance takes effect, if you are hospitalized for illness, you can be reimbursed according to the order of social medical insurance, critical illness medical insurance, and inclusive health insurance.

For example, after purchasing insurance, Zhang San fell ill and was hospitalized in a tertiary hospital. He spent more than 20,000 yuan on outpatient expenses and more than 150,000 yuan on hospitalization expenses. The total cost was more than 170,000 yuan. If the medical insurance fund reimburses it according to regulations

After paying more than 50,000 yuan, if the remaining part cannot reach the threshold for reimbursement of major illness insurance, then all the remaining out-of-pocket expenses can be reimbursed by Puhui Insurance for all development expenses.

Generally speaking, my country's current medical insurance belongs to social medical insurance. Social medical insurance considers the most basic medical expenses. For example, expenses below the deductible must be paid out of pocket, expenses outside the national medical insurance catalog must be paid out of pocket, and the highest amount must be paid out of pocket. The cost must be paid out of pocket, and imported special drugs must be paid out of pocket. The total cost of this fee may exceed the basic cooperative medical reimbursement fee, and insured persons still have to bear great financial pressure.

But if you buy Beijing Puhui Insurance, the remaining expenses can be reimbursed by Puhui Insurance.

From this perspective, complementary medicine is of great practical significance in easing the medical pressure on the masses and preventing the financial risks caused by serious illnesses.