The "Enjoy Your Health" critical illness insurance plan covers cancer in situ and 30 critical illnesses. What is the critical illness insurance of the new rural cooperative medical system?
Where the incidence of major diseases is high, it is actually not a city with too much pressure, but a rural area. Because farmers don't have enough food and clothing, when major diseases occur, the economic burden of the whole family will increase, or even the economy will collapse. Critical illness insurance, the new rural cooperative medical system, is designed for rural villagers. As long as the farmers take out this insurance, if the insured suffers from any serious illness during the effective insurance period of the contract, it is confirmed that the insurer will pay the insured a certain amount of insurance money according to the contract, and during the treatment period, they can get the insurance money in time and pay the medical expenses on time. If it is after paying the medical expenses, the insurer will also give a certain amount of insurance money according to the conversion ratio of all medical expenses.
Coverage of New Rural Cooperative Medical System in Serious Illness Insurance
The new rural cooperative medical system (NCMS) has recently introduced new safeguard measures in serious illness insurance. The company cooperates with hospitals, which regularly report major diseases. Through this form, China Merchants Cigna Company can know the expenses pointed out by relevant insurers and pay corresponding insurance benefits for these lists, which can facilitate patients to get treatment at the first time and effectively reduce the economic burden of farmers. Patients only need to pay a certain amount when they leave the hospital, and the amount here is willing to pay in advance. Congenital heart disease also officially became a medical security level work item in 20 10. Children with congenital heart disease are willing to get 70% of the coverage provided by the new rural cooperative medical system in the serious illness insurance, and the remaining 20% will be paid by the civil medical assistance fund. With such support, children with congenital heart disease only need to bear 10% of the medical expenses. Under such circumstances, even the medical expenses of congenital heart disease will not have serious consequences for a rural family, but it can also reduce a large part of the economic burden for this family and let them feel at ease in treating diseases. It can also be regarded as the protection and treatment of the flowers of a motherland. What kind of critical illness insurance are there for children? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
Not only children with congenital heart disease, but also women with major diseases such as cancer, end-stage renal disease and tuberculosis have corresponding medical assistance. Through the organization and cooperation of the new rural cooperative medical system in serious illness insurance, private medical assistance and local charities, the protection of major diseases is more effective and the burden of medical expenses for patients with major diseases is greatly reduced. This kind of insurance coverage is not high, which is completely within the scope of farmers' ability, and can cover all major diseases. In recent years, it has also increased the coverage for children's cancer and two major diseases, reaching 20 categories.
Application methods of new rural cooperative medical system in serious illness insurance
According to Article 13 of the Regulations on the Management of Serious Illness Insurance of the New Rural Cooperative Medical System, the serious illness insurance of the new rural cooperative medical system is divided into four parts, namely hospitalization compensation, outpatient compensation, serious illness relief and risk reserve fund. Among them, the serious illness relief fund is the second compensation for the medical expenses of the new rural cooperative medical system in the serious illness insurance. If a farmer who has bought this insurance suffers from a serious illness and is hospitalized, after receiving the most insurance compensation, the medical expenses still exceed 1 10,000 yuan. At this time, he can also apply for a serious illness subsidy, which can only be issued after being examined and approved by the county-level joint management office manager. For this kind of insurance, you only need to go to the doctor directly, and then you can reimburse it directly with the card. Except for the extremely huge expenses and the need to apply, everything else can be easily reimbursed. In 20 13 years, the medical expenses of 20 major diseases were reimbursed by the new rural cooperative medical system (NCMS) in the major illness insurance. As an individual, the part exceeding 8,000 yuan requires that the proportion of partial compensation be higher than 50%, and the part within 8,000 yuan shall be compensated accordingly. In the past, the reimbursement method was that individuals paid in advance and then reimbursed. Now it is a timely insurance to reimburse as long as the diagnosis is made.
The "Le Kang Worry-Free" refundable hospitalization medical insurance scheme has dual functions of insurance protection and premium refund.