Medical insurance has the characteristics of wide coverage. However, due to China's large population base and obvious gap between the rich and the poor, many poor families can't afford medical insurance. What should we do for such people who can't afford medical insurance? Let's talk today.

First, the government has medical assistance.

Medical insurance payment is a financing method that combines individual contributions and national general financial subsidies. However, for people in urban and rural areas who have difficulties in paying their personal fees, such as the minimum living allowances, the extremely poor, and the poor people in rural areas who have set up files and set up cards, the government subsidizes their personal contributions through medical assistance. Among them, the poor people enjoy full funding, and the low-income object and the poor people who set up the card are given fixed funding.

2. What are the criteria for applying for medical assistance?

Whether you can apply for Medicaid depends mainly on your family's economic situation and personal medical expenses. For those who need medical assistance, local civil affairs departments will conduct examination and approval, for example, poor and low-income people can apply. If you need to apply for medical assistance, you can consult the civil affairs department and poverty alleviation department where your household registration is located about the specific standards and procedures for identifying different types of assistance objects.

Third, what are the specific treatments for medical insurance and medical assistance?

According to the provisions of the poverty alleviation policy of medical security, for the rural poor who set up a file and set up a card, after the out-of-pocket expenses of the hospitalized individuals are paid by the basic medical insurance and serious illness insurance, they will be given medical assistance at a rate of not less than 70% within the annual assistance limit. If there are still difficulties after the rescue, further assistance will be given according to the difficult situation.

For poor workers who are unable to pay medical insurance, they can get national universal financial subsidies and special financial subsidies, and participate in the basic medical insurance for urban and rural residents in time. When hospitalization or outpatient medical expenses occur, they can also be included in the triple system of basic medical insurance, serious illness insurance and medical assistance according to regulations, and enjoy the corresponding reimbursement and assistance for hospitalization and outpatient expenses.