1, people who have no source of income, no ability to work, and can't decide their dependents or dependents mainly refer to the lonely, old and disabled people who enjoy regular quantitative relief from the civil affairs department.

2, the city's urban and rural low-income families suffering from serious illness, in the enjoyment of basic medical subsidies and various poverty alleviation measures, the personal burden of medical expenses is still difficult.

3, the city's urban low-income families (families whose per capita income is lower than the city's urban minimum living standard 150%) suffer from uremia dialysis, mental illness, malignant tumor and other serious diseases, and after enjoying basic medical subsidies and various mutual assistance measures, it is still difficult for individuals to bear medical expenses, which affects the basic life of families.

4, other special poor people stipulated by the Municipal People's government.

Reimbursement of serious illness relief fund for trade union workers:

Reimbursement in designated hospitals: When the insured is discharged from the designated hospitals, the medical expenses of urban workers' serious illness insurance, urban workers' basic medical insurance and large Medicaid will be settled in a single payment, and there is no need to go through additional reimbursement procedures.

Non-designated hospital reimbursement:

1, the insured person who goes out or goes out is hospitalized due to illness, and should choose the designated medical institution of local medical insurance for hospitalization;

2. After discharge, carry the insured person's ID card, insured person's medical insurance card, medical insurance hospitalization settlement voucher, medical record, discharge summary, original and photocopy of medical expense settlement list and other materials to the medical insurance agency for reimbursement procedures;

3. After the employee's basic medical insurance is reimbursed, if it meets the employee's serious illness insurance compensation, the insurance company will pay compensation and issue a serious illness medical insurance reimbursement after the medical insurance agency and the office of the insurance company review and confirm.

Medical insurance system for serious illness of trade unions and its basic principles;

1. Trade union serious illness insurance is a special medical insurance fund set up by the state to ensure the medical needs of urban workers for major diseases, which is used to pay the medical expenses incurred by the insured every year that exceed the maximum payment limit of basic medical insurance.

2, adhere to the people-oriented, overall arrangement. Give priority to protecting people's health rights and interests, and effectively solve the outstanding problems of people's poverty caused by illness and returning to poverty due to illness.

3. Adhere to the government-led and professional operation. The government is responsible for basic policy formulation, organization and coordination, fund raising and management, and strengthening supervision and guidance. Make use of the professional advantages of commercial insurance institutions, support commercial insurance institutions to undertake serious illness insurance for trade unions, and play the role of market mechanism.

4, adhere to local conditions, mechanism innovation. All provinces, autonomous regions and municipalities have formulated specific plans to carry out serious illness insurance for trade unions under the principles determined by the state and combined with local conditions.

To sum up, trade union serious illness insurance is a special medical insurance fund set up by the state to protect the medical needs of urban workers for major diseases, which is used to pay the medical expenses incurred by the insured every year that exceed the maximum payment limit of basic medical insurance.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.