The operation mode of the New Rural Cooperative Medical System’s serious illness and cancer insurance in our city is to allocate from the New Rural Cooperative Medical Care Fund at a standard of 30 yuan per capita to cover farmers who suffer from serious illness and cancer and are hospitalized in designated medical institutions or designated referral medical institutions. After receiving basic compensation from the New Rural Cooperative Medical System for high medical expenses in accordance with regulations, re-compensation will be provided after the individual's annual cumulative compliant medical expenses exceed a certain standard. Taking the city's annual per capita net income level of rural residents in the previous year as the deductible standard for critical illness and cancer insurance, the deductible standard for critical illness and cancer insurance in our city has been set at 13,000 yuan during the three-year trial run. For qualified medical expenses exceeding 13,000 yuan, the actual payment ratio shall not be less than 55%, and the payment ratio shall be determined according to the level of medical expenses, and incremental and cumulative compensation shall be implemented. The maximum annual compensation amount per person is 300,000 yuan. "Compliant medical expenses" refer to actual medical expenses that comply with diagnosis and treatment standards, are necessary for treatment, and are reasonable. Compliant medical expenses are all included in the New Rural Cooperative Medical Care Critical Illness Cancer Insurance Compensation Coverage. Compliant medical expenses borne by the individual = Total hospitalization expenses for the year - Expenses compensated by the New Rural Cooperative Medical System for the year - Non-compliant medical expenses (that is, expenses not included in the compensation scope of the New Rural Cooperative Medical Insurance for major illness and cancer insurance).
Brother Bao’s reminder: The reimbursement standard of Tangshan’s critical illness and cancer medical insurance is set at 13,000 yuan. For qualified medical expenses exceeding 13,000 yuan, the actual payment ratio shall not be less than 55%, and the payment ratio shall be determined according to the level of medical expenses, and incremental and cumulative compensation shall be implemented. The maximum annual compensation amount per person is 300,000 yuan.