Legal analysis: Critical illness insurance implements a graded accumulation and proportional payment system. The minimum reimbursement ratio for serious illness for employees is 55%, and the maximum reimbursement ratio can be 95%; the minimum reimbursement ratio for residents' critical illness insurance is 50%, and the maximum reimbursement ratio is 90%; insured persons from extremely poor families

The corresponding payment ratio for critical illness insurance will be increased by 5%.

The minimum payment standard for employee critical illness insurance is that the insured person's personal out-of-pocket compliance medical expenses reach 25,000 yuan within the year, and the residents' critical illness insurance minimum payment standard is that the individual's own out-of-pocket compliance medical expenses reach 15,000 yuan within the year.

To apply for critical illness insurance premiums for employees and residents, you need to provide social security cards or medical insurance certificates, copies of the Agricultural Bank of China card and ID card of the insured employees and residents, and certification materials from the civil affairs department for extremely poor families, etc.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 30 The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) those that should be paid from the work-related injury insurance fund; (2) those that should be paid by a third party

(3) Should be borne by the public health department; (4) Seek medical treatment abroad.

Medical expenses should be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical insurance fund shall pay first.

After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.