The "Enjoy Health" critical illness insurance plan covers cancer in situ and 30 kinds of critical illness, ensuring medical security for critical illness in rural areas. It is a measure to give serious illness relief to rural five-guarantee families, unemployed families and family members who do have serious diseases. The specific implementation measures will be made according to the different economic levels in different places. The implementation of serious illness medical care in rural areas aims to ensure the basic medical needs of rural residents with serious illness.
Why is there medical insurance for serious illness in rural areas?
Rural social security has always been on the edge of China's social security system, and a considerable part of social security content excludes the entire rural population from the security system. The level of rural economic development in China is still very low, and the income level of most rural residents is low and their bearing capacity is weak. Compared with the progress of urban social insurance reform, rural social insurance is only limited to the pilot stage in some rich areas, and family security is still the main body of rural social security. Taking medical insurance as an example, the current medical insurance reform in China is different from that in developed countries. The biggest reason is not universal health insurance, but the reform of medical insurance for urban workers. At present, it is to solve the problem of excessive burden of public medical care and ensure basic medical services. Although the rural cooperative medical system has been widely implemented in rural areas, it has experienced many twists and turns and eventually disintegrated for various reasons. Therefore, it is of great significance to establish a perfect medical security system for serious illness in rural areas to solve the problem of farmers returning to poverty due to illness. First of all, it is very necessary and urgent to establish a perfect medical security system for serious illness in rural areas from the reality that farmers are poor and return to poverty due to illness. At present, except for a few farmers who have participated in various commercial medical insurance, most farmers seek medical treatment at their own expense. With the acceleration of population aging, the incidence of serious diseases such as hypertension, coronary heart disease, diabetes and tumor is increasing, and the problem of farmers becoming poor and returning to poverty due to illness is becoming increasingly prominent. Therefore, it is very necessary to establish a perfect medical security system for major diseases in rural areas. Judging from the successful practice in advanced areas, it is feasible to establish a comprehensive medical security system for serious and serious diseases in rural areas. It can be seen that medical insurance for serious illness in rural areas is a key measure to effectively solve the problem of "poverty caused by illness and returning to poverty due to illness", which has far-reaching significance. Regarding the problem of buying insurance for hypertension, I just sorted out the relevant contents, hoping to help you: how to buy insurance for hypertension?
According to the latest news report, in 20 13 years, the focus of rural medical insurance in China will shift to serious illness, and rural medical insurance for serious illness will be expanded to 20 types. 20 kinds of diseases such as lung cancer and gastric cancer are all included in the scope of serious illness protection, and the reimbursement rate is not less than 90%. The per capita fund-raising level of the new rural cooperative medical system will reach about 340 yuan, and the total fund of the new rural cooperative medical system will increase to 270 billion yuan, and some seriously ill rural patients will benefit. According to the previous policy, 65% of the reimbursement for cooperative medical care over 8,000 yuan can be made, but this year, the reimbursement ratio has been greatly increased, with 65% for 8,000 yuan to 50,000 yuan, 80% for 50,000 yuan to 80,000 yuan, and 90% for 80,000 yuan or more. According to the analysis, now that farmers' income has increased, getting a minor illness will generally not shake the foundation of the family, but getting a serious illness will make most families poor and return to poverty due to illness. Since the medical reform, while promoting the new rural cooperative medical system, the country is gradually shifting the focus of security to serious illness and leaning towards farmers with poor families. In addition to raising the reimbursement standard, all 20 diseases, such as lung cancer, gastric cancer and end-stage renal disease, will be included in the scope of serious illness protection, and farmers in need will receive an additional 15% of the civil medical assistance fund, so that the total reimbursement ratio will not be less than 90%. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
According to the Ministry of Health, the per capita fund-raising standard for each farmer has reached about 340 yuan this year, and governments at all levels have subsidized 280 yuan, which means that farmers can be reimbursed more than 270 billion yuan from the large-scale funds of the new rural cooperative medical system this year, and the increased funds will increase the actual reimbursement ratio by 5 percentage points.
The "Le Kang Worry-Free" refundable hospitalization medical insurance scheme has dual functions of insurance protection and premium refund.