Usually as a supplement to basic medical insurance. When the personal medical expenses exceed a certain amount, a large amount of rescue medical insurance can be started to reduce the economic burden of individuals and families.
First, the definition and characteristics of large-scale assistance medical insurance
Large-sum medical insurance is a special guarantee system for high medical expenses. It is a supplement to the basic medical insurance and provides more comprehensive medical security for the insured. Large medical insurance is characterized by high insurance coverage. When personal medical expenses exceed the payment limit of basic medical insurance, large medical insurance can play a supplementary role and provide additional financial support for the insured.
Two, the applicable conditions of large medical insurance.
Usually, the applicable conditions of large medical insurance include: the insured has participated in basic medical insurance, and the medical expenses exceed the payment limit of basic medical insurance. The specific applicable conditions and compensation standards may vary according to different regions and policies, and the insured needs to know the local specific regulations.
Three, the application and payment process of large medical insurance.
When the insured faces high medical expenses, he can apply to the local social security department or relevant insurance institutions for large-scale rescue medical insurance. During the application process, you need to provide medical expense invoices, diagnosis certificates and other related materials. After examination and confirmation, the insurance institution shall pay the insured the relief fund in accordance with the prescribed proportion and standard.
Fourth, the significance and role of large-scale rescue medical insurance
Establishing large medical insurance is of great significance to protect people's health rights and interests. It can provide timely financial assistance when the insured faces high medical expenses, reduce the economic pressure of individuals and families, and avoid poverty caused by illness due to high medical expenses. At the same time, large-scale medical insurance also helps to improve the people's medical security level and promote social harmony and stability.
To sum up:
Large rescue medical insurance is a special guarantee system for high medical expenses, aiming at reducing the economic burden of the insured and their families. As a supplement to the basic medical insurance, it provides more comprehensive medical security for the insured. Insured personnel need to know the specific local policies, apply for and enjoy this system according to the regulations.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 25 provides that:
The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.
People's Republic of China (PRC) social insurance law
Article 30 provides that:
The following medical expenses are not included in the payment scope of the basic medical insurance fund:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.