Both types of insurance are health insurance, and they cater to similar groups of people. Critical illness insurance is also critical illness insurance. There is a difference between the two. Many people are confused about the two. If you want to know the difference between medical insurance and critical illness insurance, you can read here: "The difference between million-dollar medical insurance and critical illness insurance, which one should I buy?" 》

The insured objects of medical insurance and critical illness insurance are both urban and rural residents, but their protection capabilities and coverage are also different.

From the perspective of reimbursement scope:

Basic medical insurance pooling funds and personal accounts delineate their respective payment scopes and calculate them separately. Medical expenses that are within the payment scope of the basic medical insurance fund shall be reimbursed in accordance with the basic medical insurance drug catalog, diagnosis and treatment item catalog, service facility scope and payment standards stipulated by this city.

The critical illness medical mutual aid supplementary insurance will reimburse 75% of the personal burden within the reimbursement scope of the basic medical insurance for the critical illness insurance participants; one thing that is very important about the critical illness medical insurance reimbursement range is that the insured person exceeds the basic medical insurance. The maximum payment limit of the insurance pooling fund and the personal burden within the reimbursement scope of basic medical insurance, critical illness medical mutual aid supplementary insurance will reimburse 75%; within a natural year, the maximum cumulative reimbursement amount is 400,000 yuan.

2. Different security capabilities: Basic medical insurance is an important part of the social security system. It is a social insurance formulated by the government and jointly participated by employers and employees; while serious illness medical care is coordinated The system is a supplementary form of basic medical insurance.