Nowadays, many people will also participate in the serious illness insurance after participating in the basic social insurance. According to the relevant regulations, if the disease is within the scope of reimbursement, then the insured can apply for the reimbursement of serious illness insurance. What diseases are included in the serious illness insurance? How is the reimbursement of serious illness insurance? Let's take you to know.
What diseases does serious illness insurance include?
Serious illness insurance is to provide reimbursement for the high medical expenses of urban and rural residents due to serious illness. Its purpose is to solve the problem of "poverty caused by illness and returning to poverty due to illness" strongly reflected by the masses, so that the vast majority of people will no longer fall into economic difficulties because of illness.
The major diseases covered by the reimbursement scope of general serious illness insurance are common diseases, which are also very easy for people to suffer from, including the following diseases:
Childhood leukemia, end-stage renal disease, congenital heart disease, breast cancer, cervical cancer, severe mental disease, drug-resistant tuberculosis, hemophilia, AIDS opportunistic infection, chronic myeloid leukemia, cleft lip and palate, gastric cancer, lung cancer, esophageal cancer, colon cancer, rectal cancer, hyperthyroidism, type I diabetes, acute myocardial infarction, cerebral infarction, etc.
How to apply for reimbursement of serious illness insurance?
1. After the insured patient is hospitalized, he / she must send the diagnosis and his / her basic medical insurance diagnosis and treatment manual to the medical insurance Department of the hospital where he / she lives for registration and examination as soon as possible, so as not to affect the reimbursement of medical expenses.
2. Prepare the data needed for reimbursement, and go to the medical insurance Department of the local designated hospital to fill in the relevant forms for preliminary examination;
3. The designated hospital will report the information of qualified insured residents to the urban medical insurance agencies for review;
4. The insured residents who pass the final audit shall be provided with reimbursement for serious illness by medical insurance agencies in cities and towns.
Generally speaking, the reimbursement scope of serious illness insurance is worth participating in. The common serious illness insurance is almost included, and the reimbursement process is not complicated. People who want to get more medical insurance may as well learn more about the relevant knowledge of serious illness insurance.