First, what is employee medical insurance?

Employee medical insurance is employee medical insurance, which is the basic medical insurance in five insurances and one gold, and also one of the components of medical insurance in China. Medical insurance for employees is a social insurance system to compensate workers for economic losses caused by disease risks. Generally speaking, employers and individuals pay the same fee. When the insured person suffers from medical expenses due to illness treatment, the medical insurance agency will give certain economic compensation, which can not only ensure the effective treatment of employees, but also reduce the economic burden of employees.

Second, does employee medical insurance have critical illness insurance?

Employee medical insurance has critical illness insurance. After the medical expenses reimbursed by employees' medical insurance exceed the prescribed amount, they can be reimbursed for the second time through critical illness insurance. Serious illness insurance is a social medical mutual aid system established on the basis of employee medical insurance and urban and rural residents medical insurance system to ensure the medical needs of employees with serious illness. Serious illness insurance reimburses the insured for medical expenses that exceed the maximum payment limit of the employee medical insurance pooling fund within one year. Excluding the part below Qifubiaozhun and the personal burden, the serious illness insurance can directly implement the synchronous settlement service of basic medical expenses without application, review and approval, which solves the problem that the insured patients exceed the maximum payment limit of the basic medical insurance pooling fund, and greatly reduces the economic burden of the insured employees. Critical illness insurance of employee medical insurance includes malignant tumor, obstructive emphysema, chronic pulmonary heart disease, bronchial asthma, chronic heart failure, chronic atrial fibrillation, hypertension, coronary heart disease, cardiomyopathy (primary), peptic ulcer, chronic hepatitis, liver cirrhosis, chronic glomerulonephritis, nephrotic syndrome, chronic renal failure, aplastic anemia, leukopenia, diabetes, rheumatoid arthritis (severe) and so on.

Third, how is the employee medical insurance major illness insurance reimbursed?

The reimbursement process of employee medical insurance critical illness insurance is relatively simple: if the insured person is treated in a designated hospital, he can directly conduct a preliminary examination in the medical insurance department. Designated hospitals will submit the data of the insured who passed the preliminary examination to the medical insurance agency for review. After the review, the medical insurance agency will issue reimbursement for serious illness insurance.

Generally speaking, employees' medical insurance has critical illness insurance, which reduces the economic pressure of the insured, and the reimbursement process is also very simple, so it can be directly reimbursed in designated hospitals.