1, the insured can handle commercial insurance, mutual insurance, etc. As far as the insurance institutions are concerned, as long as they are insured and meet the conditions within the scope of insurance, they can apply. It should be noted that there are many such rules, and those who do not meet the conditions must not apply.

2. To apply to an organization, you can ask the organization (your work unit, neighborhood committee, village committee, etc.). ) ask for help and apply to the civil affairs department for medical assistance for serious illness. This is a government relief channel, but there are certain conditions for handling it, which will be introduced in detail below.

3. All kinds of foundations can apply for foundation assistance for some eligible patients, such as leukemia patients aged 0- 14, congenital heart disease, etc. Note that this kind of assistance needs to go through the foundation, and the cycle is long, which means it takes a long time to get the money.

Asking for help from the public is to raise money for a serious illness. It is often seen in the circle of friends that it is easy to raise water droplets. By forwarding it to a circle of friends, most patients will choose this way to raise money when they are sick and unbearable.

(1) As long as you have a serious illness, you can start treatment without money, and the conditions are not so harsh;

(2) It can solve the current problem of tight expenses in time. For example, all the methods mentioned above need to go through the process, and the cycle is relatively long, while the financing for serious diseases is on demand;

(3) membership is simple, just prepare a fundraising article and complete the fundraising materials;

(4) The raised amount is not fixed, and a good raised amount will be higher than the above-mentioned rescue amount.

2. What are the conditions for a loan with illness?

Loans must meet the conditions before they can be issued.

(a) loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

(2) loan application materials

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

(III) Method of repayment

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is 1 0,000 or an integer multiple of 1 0,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period;

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures;

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

3. What are the major diseases that the state provides for free treatment?

At present, there is no provision for free treatment of major diseases in China.

Major diseases refer to diseases that require a lot of money to treat and seriously affect the normal work and life of patients and their families in a long period of time, generally including: malignant tumors, serious cardiovascular and cerebrovascular diseases, operations that require major organ transplantation, injuries that may lead to lifelong disability, advanced chronic diseases, deep coma, permanent paralysis, severe craniocerebral injury, severe Parkinson's disease and severe psychosis.

The Standard for the Definition and Use of Diseases in Critical Illness Insurance, which came into effect on April 3, 2007, stipulates that if an insurance company names its product as critical illness insurance, and the insurance period is mainly adults (18 years old or older), the range of diseases covered by this product should include malignant tumors and acute myocardial infarction within the scope of this standard.

Sequela of cerebral apoplexy, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or uremia stage of chronic renal failure); In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this specification; At the same time, the above diseases should use the names and definitions of diseases in this specification.