For ordinary people, once they suffer from a major disease, the cost of surgery and later rehabilitation costs are a huge expense. When facing a serious illness, many families are stretched thin, so that the family falls into difficulties.

then.

The state carries out critical illness insurance, which reimburses the high medical expenses incurred by urban and rural residents due to serious illness. The purpose is to avoid poverty due to illness or return to poverty due to illness.

Critical illness medical insurance is a critical illness medical assistance fund, and critical illness medical insurance is a necessary supplement to basic medical insurance.

It is the reimbursement amount enjoyed by employee medical insurance and starts after exceeding the reimbursement limit of basic medical insurance.

For example, the upper limit of reimbursement for basic medical insurance is 80,000 yuan, and the reimbursement exceeding 80,000 yuan will continue to be reimbursed by critical illness insurance, and the upper limit of reimbursement is 180,000 yuan.

The total reimbursement limit for basic medical insurance and critical illness medical insurance is 260,000.

For some particularly expensive serious diseases, my country will establish a supplementary medical insurance reimbursement system, which will provide reimbursement on the basis of basic medical insurance reimbursement, requiring the actual reimbursement ratio to be no less than 50%.

The critical illness insurance targets the insured persons of the urban residents' medical insurance and the new rural cooperative medical insurance. The required funds are allocated from the urban residents' medical insurance fund and the new rural cooperative medical insurance fund, and no additional personal payment burden will be added to the masses.

Once you suffer from a major illness, no matter whether it is basic medical insurance or critical illness medical insurance, the out-of-pocket part will not be reimbursed.

However, the proportion of out-of-pocket medicines for serious illnesses is very high, and the cost of recovery and treatment in the later period is also very high.

Although major illness insurance reimburses 260,000 yuan, the actual cost is more than 400,000 yuan.

Then at this time, commercial insurance is needed to supplement.