Medical mutual aid usually refers to medical mutual aid for serious illness, which is a social security system, mainly for urban workers. The insured suffers from a serious illness that exceeds the maximum payment limit of the basic medical insurance pooling fund, and can be given medical assistance for serious illness through social medical mutual assistance. Medical mutual assistance is a social medical assistance system established for urban workers to participate in basic medical insurance in order to solve the problem that insured medical patients exceed the maximum payment limit of the basic medical insurance pooling fund, to ensure the medical needs of employees for serious illness.

First, the key objects of medical mutual assistance for serious illness include:

1. Including the old rural demobilized soldiers who live in the county glorious institute, disabled soldiers who is above the third level in rural areas, the lost personnel of the Red Army, and the veteran cadres in the Soviet area;

2. Rural five-guarantee objects;

3. Rural residents;

4. Urban residents;

5. The poor people identified by the county people's government/have other special difficulties.

Second, the scope of medical mutual insurance diseases

(1) malignant tumor;

(2) uremia (renal failure);

(3) Severe hepatitis (cirrhosis or acute liver necrosis);

(4) stroke;

(5) Acute myocardial infarction;

(6) Acute necrotizing pancreatitis;

(7) Other incurable diseases with an annual medical expense burden of more than 20,000 yuan.

The difference between medical mutual assistance and medical insurance

Medical insurance is compulsory, and medical mutual assistance is voluntary, which is used for mutual assistance among employees. Generally speaking, it is paid by individuals, and the specific amount may vary due to different local policies.

Both medical mutual assistance and medical insurance belong to the category of social security, which can complement each other and provide medical security for the insured. How to participate in the insurance, the payment standard is subject to the local social security policy. Medical mutual aid for serious illness refers to a social medical mutual aid system established by urban workers on the basis of participating in basic medical insurance to solve the problem that the insured patients exceed the maximum payment limit of the basic medical insurance pooling fund and ensure the medical needs of employees for serious illness.

Legal basis:

Measures for the implementation of medical assistance for serious and serious diseases in urban and rural areas

The medical assistance system in Nijo Castle Township is coordinated by the government and implemented by the civil affairs department. With the cooperation of health, finance and other departments, appropriate subsidies will be given to the medical expenses of rural five-guarantee households, rural low-guarantee households and urban low-guarantee households suffering from serious diseases according to certain standards to alleviate their poverty caused by illness.

Article 3 The principles of establishing urban and rural medical assistance system: the principle that the level of assistance is compatible with the level of economic and social development and the ability of financial payment; Principle of territorial management; The principles of unified system, standardized management, openness and fairness; Start with a low standard, rescue by classification, and promote as a whole; The principle of saving everything.