The insurance role of critical illness insurance, the role of critical illness medical insurance

[Summary].In recent years, the incidence of critical diseases has been increasing, but as we all know, the cost of critical diseases is very expensive. Therefore, our country has launched serious illness medical assistance insurance, thenCritical illness medical insuranceWhat is the role?

Social basic medical insurance can provide the most basic medical security, coverage is very wide, but the proportion of reimbursement is limited, serious illness medical assistance insurance can be given to patients with serious diseases, the assistance is relatively large, but the assistance is limited, serious illness medical assistance insurance can be used as a powerful supplement to social basic medical insurance.

This is because the coverage of the scope of serious illnesses adapted to the medical assistance insurance for serious illnesses is smaller. Therefore, for serious illnesses, it is a far-sighted measure to choose a wide range of critical illness medical insurance as soon as possible.

Some friends may think that I am still young, I am very healthy, and I seem to be far away from serious diseases, and I am unaware that the dangers of various serious illnesses caused by work pressure, environmental degradation, and food safety may be imminent. The huge expenses caused by serious illnesses can put a heavy burden on a family, not only the savings accumulated by hard work will be exhausted, but also a huge amount of debt may be saddled. We all want ourselves and our families to be happy and healthy, but people who eat whole grains will inevitably get sick.

For those young friends, health also needs to be reserved, and only when they are in good health can they better shoulder the heavy responsibilities of the family and give their families more security. In this case, choosing critical illness medical insurance as early as possible and preparing in advance to deal with the risks caused by major illnesses can effectively reduce the harm and losses caused by critical illnesses to families and reasonably transfer the risks to insurance companies.

Social basic medical insurance and serious illness medical assistance insurance are an important part of China's medical security system, and critical illness insurance can supplement social basic medical insurance and serious illness medical assistance insurance. They are linked to each other to form a variety of forms of serious illness security systems, serving the effective protection of the health rights and interests of the people.

Critical illness medical insurance can share the risk of critical illness and reduce the financial burden of patients with serious illnesses. In addition to participating in serious illness medical insurance, the masses should also take out critical illness insurance.

Critical illness insurance is to reimburse urban and rural residents for high medical expenses incurred due to serious illness, with the aim of solving the strong reaction of the masses"Poverty due to illness and return to poverty due to illness"so that the vast majority of people will no longer fall into financial hardship because of illness. On August 30, 2012, the National Development and Reform Commission, the Ministry of Health, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Civil Affairs, the Insurance Regulatory Commission and other six ministries and commissions issued the "Guiding Opinions on Carrying out Serious Illness Insurance for Urban and Rural Residents", which clearly stated that in view of the heavy burden of urban residents' medical insurance and the New Rural Cooperative Medical System (Cooperative), the market mechanism was introduced, and a serious illness insurance system was established to reduce the burden of serious illness on urban and rural residents, and the reimbursement ratio of serious illness medical insurance was not less than 50%.

The coverage of critical illness 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 eligible medical expenses that need to be borne by the urban residents after the medical insurance and the NCMS compensation in the case of high medical expenses incurred by the insured (combined) person suffering from a serious illness.

For 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. Compliant medical expenses refer to the actual and reasonable medical expenses (which may be stipulated not to be paid), which are determined by the local government. All localities can also start with the types of diseases with heavy personal burdens to carry out serious illness insurance.

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1.The insurance can pay the insurance benefits after the insured person suffers from malignant tumors, paralysis, severe cerebral hemorrhage sequelae and other serious, moderate or mild diseases as agreed in the insurance contract, and some critical illness insurance and death or disability protection;

2.Critical illness insurance can effectively compensate for the loss of income caused by critical illness;

3.Critical illness insurance can reduce the financial loss of the family after the insured suffers from a critical illness;

4.Critical illnesses often require a long process** and expensive medical costs. The premium paid by critical illness insurance can be accepted by the insured with peace of mind**, and the situation that cannot be effectively obtained due to financial situation is minimized;

5.Critical illness insurance can effectively prevent people from falling back into poverty due to illness;

6.Critical illness insurance can make up for the lack of social security to a certain extent;

7.Critical illness insurance can effectively protect against critical illness risks;

8.If it is a return-type critical illness insurance or a savings type critical illness insurance, it also has the function of protection and savings.

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Big Bing insurance includes extremely serious and critical illness insurance, specifically including serious and life-threatening, the quality of life cannot be guaranteed after the first day, and the life of the disease is not good, and the life is seriously shortened. At present, there are about 20 kinds of diseases covered by the big bing in China, including exchanging tumors such as white xuebing, pheochromocytoma, small cell xing liver cancer, and acute myocardial infarction, which refers to irreversible cardiac infarction caused by myocardial deficiency.

What is critical illness insurance?

Hello dear! We'll be happy to answer for you. <>

Big Bing insurance includes extremely serious and critical illness insurance, specifically including serious and life-threatening, the quality of life cannot be guaranteed after the first day, and the life of the disease is not good, and the life is seriously shortened. At present, there are about 20 kinds of diseases covered by the big bing in China, including exchanging tumors such as white xuebing, pheochromocytoma, small cell xing liver cancer, and acute myocardial infarction, which refers to irreversible cardiac infarction caused by myocardial deficiency.

The sequelae of stroke such as paralysis, inability to take care of oneself, major organ transplantation are common heart or lung transplantation, coronary artery bypass grafting, end-stage renal bing, also known as urinary syndrome, multiple limb loss, limb complete detachment from the trunk, brain tumor frontotemporal apical sarcoma, chronic liver failure. Sequelae of encephalitis or meningitis, common polio, deep coma, various types of shock, deafness and blindness, severe Alzheimer's bing, severe Parkinson's bing, severe burns, burn area up to 80%, severe aplastic aplastic academia, aortic aneurysm, arterial dissection surgery, etc.

Critical illness insurance includes Centennial Kanghuibao Critical Illness Insurance, Hongkang Dora A Critical Illness Insurance, Taikang Le Ankang Lifetime Critical Illness Insurance, etc., and users can choose the product that suits them according to their budget and protection content.

The purpose of the insurance is to reimburse the high medical expenses incurred by urban and rural residents due to serious illness, with the aim of solving the problem of "poverty due to illness and returning to poverty due to illness", so that the vast majority of people will no longer fall into economic difficulties due to illness.

On August 24, 2012, the National Development and Reform Commission, the Ministry of Health, the Ministry of Finance, the Ministry of Human Resources and Social Security, the Ministry of Civil Affairs, the Insurance Regulatory Commission and other six ministries and commissions issued the "Guiding Opinions on Carrying out Serious Illness Insurance for Urban and Rural Residents", which clearly aimed at the heavy burden of urban residents' medical insurance and the New Rural Cooperative Medical System (NCMS) with a heavy burden of serious illness, introduced a market mechanism, established a serious illness insurance system, reduced the burden of serious illness on urban and rural residents, and the reimbursement ratio of serious illness medical insurance was not less than 50%.

At present, the medical insurance for serious illnesses includes chronic severe hepatitis, cirrhosis of the liver, tuberculosis, psychiatric diseases, post-cardiovascular and cerebrovascular stenting, myasthenia gravis, motor neuron disease, terminal asthma, avascular necrosis of the femoral head, onset (cutaneous) myositis, panniculitis, epilepsy, Parkinson's disease, multiple sclerosis, systemic lupus erythematosus, polyarteritis nodosa, Behcet's disease, systemic sclerosis, hypercortisolism, primary aldehyde solid ketotosis, rheumatoid arthritis (active), Henoch-Schonlein purpura, nephropathy, Thrombocytopenic purpura, pituitary gland, diabetes insipidus, polycythemia vera, primary vascularity, hypercortisolism, essential vasogenesis, essential angiosangiosis, hyperductiosaria.

Article 28 of the Social Insurance Law.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance in accordance with national regulations.

Article 29.

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

1. Malignant tumors, acute myocardial infarction, sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation, megasearch coronary artery bypass grafting (or coronary artery bypass grafting);

2. End-stage renal disease (or chronic renal failure, uremia stage), multiple limb loss, acute or subacute severe hepatitis;

3. Benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis or sequelae of meningitis; Deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease.