What are the major illnesses of congenital heart disease and how much can insurance cover you

Open an account first, and then join the medical insurance, which can report 60-70%.

Congenital heart disease.

Commercial insurance generally does not reimburse. Critical illness insurance for congenital heart disease.

Medical insurance cannot be reimbursed, even if it is found out after buying, it is within the scope of exemption, and the insurance company will not pay compensation. At present, the health notice clause of critical illness insurance launched by major insurance companies in the market or in the deductible situation will clearly state: "The insured has a hereditary disease.

congenital malformations, deformities or chromosomal abnormalities", the insurance company shall not be liable for compensation. If the policyholder knows that the insured has congenital heart disease, it is best not to apply for insurance to avoid disputes.

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The medical reimbursement rate for major childhood diseases such as congenital heart disease and leukemia is not less than 70%.

After the implementation of the new "plan", all eligible children who participate in the insurance (insurance) and are hospitalized in designated hospitals for two diseases will be compensated according to the regulations, of which the reimbursement ratio within the policy scope of the new rural cooperative cooperative medical system or urban residents' medical insurance shall not be less than 70% in principle.

Legal analysis: The medical reimbursement rate for major childhood diseases such as congenital heart disease and leukemia shall not be less than 70%. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease.

Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

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

Article 12 The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 35 An employer shall pay work-related injury insurance premiums at the rate determined by the social insurance agency in accordance with the total wages of its employees.

Article 44 Employees shall participate in unemployment insurance, and the employer and the employee shall jointly pay unemployment insurance premiums in accordance with the provisions of the State.

Article 53 Employees shall participate in maternity insurance, and the employer shall pay the maternity insurance premiums in accordance with the provisions of the State, and the employees shall not pay the maternity insurance premiums.

The actual compensation rate for congenital heart disease in children reached 77%.

The actual compensation ratio for congenital heart disease and leukemia in children reached 77% and 74% respectively, the actual compensation ratio for 6 types of diseases such as end-stage renal disease reached 67%, and the actual compensation ratio for 12 new pilot diseases such as lung cancer reached about 59%.

It is necessary to buy critical illness insurance within the system for the following reasons:

1.Critical illness insurance can mainly compensate a sum of insurance money after the insured suffers from malignant tumors, sequelae of severe cerebral hemorrhage or other critical illnesses as stipulated in the insurance contract, and meets the conditions for claims;

2.The insurance company does not limit the insurance money for the claim, and the insured can use it to get a better **, and it can also be used to make up for the family's economic losses;

3.Critical illness insurance can be used as a supplement to basic medical insurance, for example, basic medical insurance does not pay for out-of-pocket drugs, and the insurance money of critical illness insurance claims can make up for this;

4.Once a person suffers from a critical illness, it will not only take a long time and high medical expenses, but also suffer a loss of income because he cannot go to work, but the insurance money of the critical illness insurance claim can help solve the problem of income loss, especially the critical illness insurance with a high amount of insurance, which can basically make up for most of the income loss suffered by the insured during the treatment period;

5.There is a probability that people will suffer from critical illness, especially those who are tired from work, and after the age of thirty or forty, there is a high incidence of critical illness.

6.Some critical illness insurance policies with a longer protection period also have a savings function, and the cash value will gradually increase, and if you do not need the protection of critical illness insurance in the future, you can also cash out by surrendering the policy;

7.Some critical illness insurance policies with high cash value also have a policy loan function, which can help the insured solve the situation of poor economic turnover;

8.Some critical illness insurance also has death benefit, which can compensate the death beneficiary with a death benefit after the death of the insured, so that the person the insured cares about also has a sum of money to protect the basic life;

9.There are many types of critical illness insurance, and consumers can choose according to their actual situation;

10.If the economy is not very well-off, then you can consider purchasing consumer-based critical illness insurance, term critical illness insurance, and those who are financially well-off can consider purchasing return-type critical illness insurance and lifelong critical illness insurance.