There is no specific disease for serious illness, and serious illness insurance is based on the reimbursement scope of basic medical insurance for urban and rural residents, covering a variety of diseases. There is no need for individual declaration at the time of settlement, and the medical insurance department will automatically review and handle it through the data system. Then, what is the reimbursement ratio of major illness medical insurance? Introduction to the reimbursement ratio of serious illness medical insurance: when the insured who participates in basic medical insurance has medical expenses exceeding the maximum payment limit of the basic medical pooling fund, the social insurance department will reimburse 85% according to the following: 40,000 yuan or less; 40,000 yuan and 80,000 yuan are reimbursed 90%; More than 80,000 yuan will be reimbursed 95%. The maximum payment limit for each medical year is 6.5438 yuan +0.5 million yuan. The part of one-time hospitalization medical expenses of employees suffering from illness or non-work-related injuries or accumulated more than 2,000 yuan within 30 days belongs to the payment scope of the employee's serious illness medical insurance pooling fund, and the accumulated payment method is: 90% of the part between 2,000 yuan and 5,000 yuan; 85% shall be paid for the part between 5000 yuan and 1 000 yuan; /kloc-0,000 yuan but less than 30,000 yuan, 80%; Part of the payment between 30,000 yuan and 50,000 yuan is 85%; More than 50,000 yuan will be paid 90%. Generally speaking, serious illness insurance is a kind of medical insurance that the government further improves the medical insurance system and reimburses the high medical expenses incurred by urban and rural residents due to serious illness, thus reducing the burden of medical expenses for seriously ill patients. As long as residents who have participated in the new rural cooperative medical system or urban and rural residents' insurance, they can enjoy the protection of serious illness insurance without paying extra premiums.