The national subsidy policy for major diseases has the following provisions:

1. Target recipients: rural five-guarantee recipients, urban "three-no" people, urban and rural subsistence allowance recipients, and urban residents Other objects approved by the government.

2. Assistance procedures: Urban and rural subsistence allowance recipients, rural five-guarantee recipients, urban "three-no" people, and special poverty-stricken recipients who are hospitalized in designated hospitals in our city can settle through settlement with their ID cards when they are admitted. The window provides one-stop assistance. For those who are hospitalized outside the city, after the treatment is completed, they should go to the local township civil affairs office to apply for serious illness medical assistance with the hospitalization fee invoice, medical insurance or rural cooperative medical insurance reimbursement approval form and relevant medical information.

3. Required information: Personal application, copy of ID card, copy of household register of the head of household and himself, hospitalization invoice, New Rural Cooperative Medical Care or Medical Insurance reimbursement approval form, discharge summary (record) and other relevant information.

With the continuous advancement of various tasks in deepening medical reform, our country has basically formed a multi-level system based on basic medical insurance for urban and rural residents, basic medical insurance for employees, critical illness insurance, and medical assistance, supplemented by commercial health insurance. Medical security system. Currently, more than 1.3 billion people are insured by the National Basic Medical Insurance for Employees and Basic Medical Insurance for Urban and Rural Residents, with a coverage rate of 95% of the total population. The reimbursement ratio for hospitalization medical expenses within the scope of the Basic Medical Insurance for Employees and Basic Medical Insurance for Urban Residents has reached 80% respectively. around % and above 70%.

Since 2016, the Party Central Committee and the State Council have deployed and implemented the integration of basic medical insurance systems for urban and rural residents, and actively promoted the "six unifications" of basic medical insurance coverage, financing policies, security benefits, medical insurance catalogs, designated management, and fund management. , further rationalize the basic medical insurance management system, improve service efficiency, and realize the equal enjoyment of basic medical rights for urban and rural residents.

The "Notice of the State Council on Issuing the Plan for Deepening the Reform of the Medical and Health System during the 13th Five-Year Plan" (Guofa [2016] No. 78) makes arrangements for improving the protection mechanism for major and serious diseases, requiring the comprehensive implementation of urban and rural On the basis of residents’ critical illness insurance, we will improve employee supplementary medical insurance.

Comprehensively carry out medical assistance for major and serious diseases, actively guide social charity forces to participate, gradually form a mechanism for data and information sharing between medical and health institutions and medical insurance agencies, and promote basic medical insurance, critical illness insurance, Medical assistance, emergency disease assistance, and commercial health insurance are effectively connected.

In order to further solve the prominent problems such as low financing and protection levels of basic medical insurance, "poverty due to illness" and "return to poverty due to illness", in 2015, the State Council deployed various localities to fully implement serious illness insurance for urban and rural residents. At present, critical illness insurance covers 1.05 billion urban and rural residents, effectively reducing the cost burden of patients and families suffering from serious diseases.

According to incomplete statistics, the cumulative payment of critical illness insurance business in 2016 was 30 billion yuan, and the maximum compensation for a single case was 1.116 million yuan. The national average actual reimbursement ratio for hospitalization expenses of patients with serious illness reached about 70%, and the payment level of patients with serious illness was at the basic level. Medical insurance has increased by nearly 12 percentage points. To establish and improve the protection mechanism for major and serious diseases, it is necessary to better play the comprehensive protection role of "insurance + assistance".

In terms of strengthening system connection, in January this year, our Ministry, together with the Ministry of Finance, the Ministry of Human Resources and Social Security, the Health and Family Planning Commission, the China Insurance Regulatory Commission, the Poverty Alleviation Office and other departments, jointly issued the "On Further Strengthening Medical Assistance and Serious Diseases for Urban and Rural Residents" "Notice on the Effective Connection of Insurance" (Minfa [2017] No. 12), deploys all localities to provide medical assistance to needy people such as subsistence allowance recipients, extremely poor people, and registered poor people.

The document clarifies specific measures to assist subsistence allowance recipients, extremely poor people, and registered poor people to participate in basic medical insurance; it requires all localities to implement critical illness insurance for subsistence allowance recipients, extremely poor people, and registered poor people. People in need, including the poor, implement preferential payment policies such as lowering the deductible line, increasing the cap line and reimbursement ratio, and appropriately expanding the scope of compliance expenses and diagnosis and treatment items.

It is proposed to comprehensively strengthen medical assistance for major and serious diseases by expanding the scope of assistance objects and improving the level of assistance; deploy and implement "diagnosis and treatment first, payment later" for medical treatment in counties for poor people; actively promote medical assistance and basic medical care The "one-stop" instant settlement of insurance and critical illness insurance provides more convenience for people in need to seek medical treatment and better protects the basic medical rights of people in need.

Reference materials: Notice of the Ministry of Civil Affairs on Strengthening Medical Assistance and Medical Insurance - People's Government of the People's Republic of China and the Ministry of Civil Affairs