The payment standard of serious illness fund is the expenditure specially used for serious illness medical expenses. The standard of serious illness fund is 60 yuan per employee per year, which is paid by individuals. It is generally used when hospitalized in designated medical insurance hospitals. Serious illness fund is a kind of insurance in social security fund, including: endowment insurance (paid by units and individuals), medical insurance (paid by units and individuals), serious illness fund (paid by individuals), work injury fund (paid by units) and maternity fund (paid by units).

Classification of medical insurance:

Personal medical insurance is mainly divided into two types: social basic medical insurance and commercial medical insurance. Due to different types, the fees paid are different, as follows:

1. Social basic medical insurance: divided into two forms: on-the-job employees and flexible employees. The payment ratio of on-the-job employees is divided into two parts: units and individuals. In general, the company pays 10% and the individual pays 2%, and * * * is 12%. For example, an employee's salary is 5000 yuan, so the medical insurance premium that the employee needs to bear is 5000*2%= 100 yuan. The social basic medical insurance for flexible employees varies with local standards.

2. Commercial medical insurance: based on the insurance company, the insured content and the number of years. There are many commercial medical insurance products, so there are many kinds of expenses.

To sum up, the serious illness insurance is settled according to the natural year, and all districts and cities will include the compliance expenses that exceed the Qifubiaozhun after the insured is reimbursed by the basic medical insurance in a settlement year into the payment scope of the serious illness insurance. Qifubiaozhun is not lower than the per capita income level of urban and rural residents in each district and city in the previous year. The maximum compensation limit of critical illness insurance is set to 10 to 15 times of the deductible, and the compensation ratio is not less than 50%. The higher the cost, the higher the payment ratio.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.