Legal analysis: Shanghai officially launched medical insurance for urban residents with serious illness, and four kinds of serious illness can be reimbursed by 50%. Anyone who participates in the basic medical insurance for urban residents in Shanghai can also enjoy the medical insurance for serious illness of residents on the basis of enjoying the basic medical insurance benefits, and there is no need to pay separately. The insured can enjoy serious illness insurance benefits through reimbursement. Four serious diseases can be reimbursed 50%: these four serious diseases refer to: severe uremia, kidney transplantation, malignant tumor and partial psychosis. Personal expenses paid by the basic medical insurance for dialysis treatment of severe uremia, anti-rejection treatment of renal transplantation, treatment of malignant tumor and treatment of some mental diseases will be reimbursed by the urban residents' serious illness insurance fund by 50%. In addition, the medical expenses incurred by Shanghai college students due to hemophilia and aplastic anemia can also be included in the coverage of residents' serious illness insurance.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.