Critical illness medical insurance can be divided into two types: the first is critical illness insurance in the country's basic medical security, and the second is million-dollar medical insurance in commercial insurance.

Critical illness medical insurance is a new institutional arrangement that reimburses the high medical expenses incurred by patients with serious illnesses after the basic medical insurance for urban and rural residents has reimbursed them. It is an expansion and extension of the basic medical security system, and it is also a supplement to the basic medical security.

useful supplement.

The targets of critical illness insurance are those insured by urban residents' medical insurance and new rural cooperative medical insurance. The purpose is to reduce the burden of serious illness on urban and rural residents and solve the problem of "poverty due to illness and return to poverty due to illness".

Critical illness medical insurance belongs to the second reimbursement, that is, after medical insurance has reimbursed, the expenses that still need to be paid by the individual can be reimbursed through critical illness medical insurance, and the reimbursement ratio increases step by step, that is, the more medical expenses paid, the more reimbursement will be made.

The higher the proportion.

Millions of medical insurance mainly deals with the medical expenses of serious illnesses. It is a reimbursement insurance with the characteristics of low premium and high insurance amount.