Many people don't know very well about the policy of serious illness medical insurance. They don't know what is serious illness medical insurance? What is the serious illness insurance for urban and rural residents? What is the scope of serious illness medical insurance? What are the objects of serious illness medical insurance? In response to these questions, the editor will answer for you one by one.
What is serious illness medical insurance?
Serious illness medical insurance is the abbreviation of serious illness medical insurance for urban and rural residents. It is a policy to reimburse the high medical expenses incurred by urban and rural residents due to serious illness on the basis of basic medical insurance. Its main purpose is to reduce the burden of the people's medical expenses for serious illness and solve the problem of poverty caused by illness and returning to poverty due to illness. By the end of 2014, 392 overall planning projects had been carried out in 27 provinces, covering 700 million people. But there are still some areas that have not implemented the serious illness insurance policy.
How much is the financing standard of serious illness medical insurance?
According to relevant regulations, urban and rural insured residents plan as a whole the fund of serious illness medical insurance at the standard of 30 yuan per capita. The fund of serious illness medical insurance is transferred from the fund of urban and rural residents medical insurance according to the standard of overall planning. However, at present, most of the basic medical insurance in all parts of the country is coordinated at the prefecture level, even at the county level. For different regions, there are also differences in the financing pressure of serious illness medical insurance funds.
What is the scope of serious illness insurance?
The coverage of serious illness medical insurance mainly guarantees the compliance medical expenses that need to be borne by individuals after the compensation of urban residents' medical insurance and new rural cooperative medical insurance when the insured suffers from serious illness and incurs high medical expenses. In order to avoid family catastrophic medical expenditure of urban and rural residents, we should reasonably determine the compensation policy of serious illness insurance, and the actual payment proportion should not be less than 50%; in principle, the higher the medical expenses are, the higher the payment proportion is.
What are the objects of serious illness medical insurance?
According to the guidance on the work of serious illness insurance for urban and rural residents, the insured objects of serious illness insurance for urban and rural residents are the insured persons of medical insurance for urban residents and the insured persons of new rural cooperative medical insurance. Therefore, we can say that the object of medical insurance for serious illness is the insured of medical insurance for urban and rural residents.