What is Critical Illness Insurance... What is critical illness insurance?

Critical illness insurance provides protection for eligible medical expenses that need to be borne by individuals after the compensation of urban residents' medical insurance and NCMS. The actual payment ratio is not less than 50%, and the actual reimbursement ratio can be as high as 95%, but the policies vary from place to place. The settlement is automatically reviewed and handled by the medical insurance department through the data system.

Critical illness insurance, i.e., critical illness insurance, refers to the commercial insurance behavior handled by the insurance company that takes specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc. as the insurance object, and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-based critical illness insurance.

Hello! Critical illness insurance is mainly insurance to protect serious illnesses, including some malignant tumors, myocardial infarction, cerebral hemorrhage, etc. There are two main types: social critical illness insurance and commercial critical illness insurance.

Here you can take a look at the commercial critical illness insurance insurance insurance strategy, including some product recommendations and precautions, so that you can better understand critical illness insurance!

If you have any other questions, please feel free to contact me. Hope mine is helpful to you!

Legal analysis: 20 diseases included in the critical illness benefit: childhood leukemia, congenital heart disease, end-stage renal disease, breast cancer, cervical cancer, severe mental illness, drug-resistant tuberculosis, AIDS** infection, hemophilia, chronic myeloid leukemia, cleft lip and palate, lung cancer, esophageal cancer, gastric cancer, type I diabetes, hyperthyroidism, acute myocardial infarction, cerebral infarction and death, colon cancer, rectal cancer.

The coverage of sickness insurance should be linked to the medical insurance for urban residents and the New Rural Cooperative Medical System. Urban residents' medical insurance and NCMS shall provide basic medical security in accordance with policy provisions. On this basis, the critical illness insurance mainly protects the compliant medical expenses that need to be borne by the urban residents after the medical insurance and the NCMS compensation under the condition that the insured (combined) suffers from a serious illness and incurs high medical expenses.

For the purpose of high medical expenses, the annual cumulative compliant medical expenses borne by the individual may exceed the annual per capita disposable income of urban residents and the annual per capita net income of rural residents announced by the local statistics department in the previous year, and the specific amount shall be determined by the local government.

Legal basis: Social Insurance Law of the People's Republic of China

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

The annual critical illness insurance usually refers to the critical illness insurance for urban and rural residents, which is a national policy that benefits the people. On the basis of basic medical insurance, urban and rural residents will be reimbursed for the medical expenses incurred by urban and rural residents due to serious illness. The specific reimbursement ratio shall not be less than 50%.

The purpose is to enable urban and rural residents to solve the economic difficulties of poverty due to illness and return to poverty due to illness, and to alleviate the pressure of medical expenses for patients with serious illnesses. The above is a once-a-year critical illness insurance.

The difference between critical illness insurance and basic medical insurance.

1. Different definitions: basic medical insurance is one of the five types of social insurance, which is funded by the first department to provide the most basic medical security for the people, mainly reimbursing general outpatient, emergency and hospitalization expenses. However, critical illness insurance is to reimburse the huge medical expenses incurred by patients with serious illnesses, mainly to deal with the problem of poverty caused by diseases;

2. The payment period is different: the payment period is not specified for the critical illness insurance, and the basic medical insurance will no longer be paid after retirement, and the national medical insurance treatment will be enjoyed;

3.The scope of reimbursement is different: critical illness insurance is the second reimbursement of huge medical expenses caused by serious illness after reimbursement by basic medical insurance.

The specific payment ratio shall not be less than 50%. The higher the medical expense, the higher the percentage. However, basic medical insurance and personal accounts are divided into payment scope and calculation.

Only medical expenses incurred within the scope of basic medical insurance can be reimbursed.

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Critical illness insurance is a form of insurance that compensates or reimburses the medical expenses incurred by the insurance company for the high medical expenses incurred due to the serious illness. InsuranceMajor insurance has two basic characteristics: one is that the condition is serious, which will seriously affect the normal work and life of patients and their families for a long period of time; The other is that it is very expensive, requires complex drugs or surgeries, and has to pay expensive medical bills in the long run.

Questions. Is lung nodule surgery a serious disease?

No, but your insurance will reimburse you for such expenses depending on your insurance contract.

Questions. I am insured by rural medical insurance and sickness insurance.

My surgery cost more than 80,000 yuan.

Rural cooperative medical care can be reimbursed regardless of whether it is a disease or not, and I hope mine can help you. If you are satisfied with my service, please give 5 stars.

Critical illness insurance mainly refers to the behavior of the insurance company to pay insurance money in accordance with the contract after the policyholder purchases the product, such as the serious illness stipulated in the contract during the insurance period, and the general serious illness refers to malignant tumors, cerebral hemorrhage and end-stage renal disease, etc., so that patients can get high-quality ** through the compensation of the insurance company.

What are the classifications of critical illness insurance?

Term insurance: It mainly refers to the period of protection of the critical illness insurance purchased by the policyholder is strictly regulated, such as a critical illness insurance at the age of 20, which is guaranteed for 30 years, if the insured survives to the age of 50 without insurance, then the insurance contract is terminated and the insurance company does not refund the premium.

Whole life insurance: refers to the serious illness insurance purchased by the policyholder to protect the whole life, and the insured does not suffer from a serious illness or mild illness until his death, that is, there is no insurance, but the insured dies and the insurance company pays the prescribed insurance money, which is generally a death insurance benefit.

Additional benefit insurance: This type of insurance product means that the sum insured of the main insurance and the sum insured of critical illness are paid separately, and the sum insured of the main insurance will not be affected after the payment of critical illness compensation, and it has the nature of double protection, which satisfies the rights and interests of consumers.

Early payment insurance: This type of critical illness insurance is generally an additional insurance for life insurance, and there will be the words "early payment", which means that after the critical illness insurance is issued, the insured will obtain the relevant sum insured, and the main insurance will deduct the insured amount of the critical illness insurance before payment.

Independent benefit insurance: Critical illness is the main insurance, and the product protection content is comprehensive, but there are strict regulations on critical illness insurance and death insurance, and generally the two cannot be paid at the same time.

Proportional benefit insurance: Critical illness insurance products on the market are reimbursed according to the basic insurance of the insurance contract, and such products are paid according to the prescribed proportion.

Repo selective insurance: After the critical illness insurance is paid, the insured is still alive, and a certain percentage of the original total insurance amount can be bought back at a fixed rate, so that the death benefit is increased.