Hotel receptionist, 23-year-old male, looking to buy a critical illness insurance

Critical illness medical insurance is part of the medical security in social insurance. If you are still unclear about the differences between the New Rural Cooperative Medical System, urban and rural residents’ medical insurance, and social security, you can read this article: How to use social security and medical insurance? This article teaches you the reimbursement application process!

Critical illness medical insurance is a system arrangement in which high-cost medical expenses incurred by patients with serious illnesses are reimbursed after the urban and rural residents’ basic medical insurance reimburses them.

Many people are asking what is covered by critical illness medical insurance. In fact, there is currently no unified standard across the country that stipulates the types of "critical illness". To sum up, there are currently two policies that stipulate the scope of reimbursement:

1. Participate in reimbursement according to the type of disease. For example, some provinces have stipulated the types of serious illness medical insurance. Take Shandong as an example:

2. Participate in insurance according to the size of medical expenses. High medical expenses that have been reimbursed by medical insurance can be reimbursed again by critical illness insurance.

The two have one thing in common. Only those who have participated in medical insurance can purchase critical illness insurance, and these expenses must be "in line with the reimbursement scope of resident medical insurance" before they can be reimbursed. I have also sorted out relevant content such as how to participate in critical illness medical insurance, reimbursement ratios, etc. If necessary, you can click on the link to view: How to use social security and medical insurance? This article teaches you the reimbursement application process!

However, the reimbursement scope of critical illness medical insurance is also restricted by the three catalogs of medical insurance. For example, imported drugs, special effects drugs, and anti-cancer drugs cannot be reimbursed.

What’s more, the loss of income due to being unable to work due to illness, the need for later rehabilitation, and daily living expenses cannot be reimbursed by major illness insurance.

If you want insurance to cover these expenses, you may consider purchasing critical illness insurance. Critical illness insurance provides protection after a serious illness occurs. The insurance company will pay claims after the insured suffers from a critical illness stipulated in the insurance contract. There are no restrictions on the use of this compensation, so as long as you have enough insurance, you can use it however you want.

There are many critical illness insurances on the market, and it is not easy to buy a good one. I am considerate and help you prepare a treasure trove of information on critical illness insurance with high quality and low price: the top ten insurance companies that are "worth buying". Critical illness insurance review!