Yesterday, the Office of Yichang Municipal Government issued two documents about Measures for Critical Illness Insurance of Urban Residents and New Rural Cooperative Medical System which allow the urban residents who got the medicalinsurance and the farmers who have participated in the New Rural Cooperative Medical System can get the critical illness insurance as issued.  

According to the insurance for urban residents, if patients’ medical compliance bills paid by themselves in one year go beyond the standard of the deductible after the medical expenses for their being in hospital or ambulatorytreatment on serious illness have been reimbursed as health insurance polices, commercial insurance companies will make compensation for the part in excess. 

In 2013, the financing standard of the insurance is 25 yuan per capita and the standard of the deductible is 8000 yuan. In the scope of the insurance, if patients’ self-pay and medical compliance expenses are from 8000 yuan to 30,000 yuan (including 30,000) in one year, 50 percent will be reimbursed; 30,000 yuan to 50,000 yuan (including 50,000), 60 percent reimbursed; above 50,000 yuan, 70 percent reimbursed.   

According to critical illness insurance of New Rural Cooperative Medical System, after the medical expenses for being in hospital or ambulatorytreatment on serious illness have been reimbursed by the medical system, 50 percent of the medical compliance expenses from 8000 yuan to 30,000 yuan will be reimbursed; 60 percent of the expenses from 30,000 to 50,000 reimbursed; 70 percent of the expenses above 50,000 yuan reimbursed. It is proposed that besides those people who once joined the medical system, if newborns are given the birth after the given time of payment, they can join the medical system and get the insurance together with their parents. For households enjoying the five guarantees and enjoyingtheminimumlivingguarantee and the most needy people giving preferentialtreatmentcompensationandcomfort, their medical expenses of being hospitalized each time, below the standard of the deductible, are to be reimbursed by the medical system, which is included within the critical illness reimbursement standard of the deductible.    

It is requested that, with the principles of guaranteed small profit and risk sharing, the earnings rate of commercial insurance companies should be controlled rationally and the regulatorymechanism that the government and commercial insurance comanies share risk together should be built. And then, the underwriters should build the settlement information system of the insurance to offer the insured one-stop service. Meanwhile, national network advantage should be taken fully to offer patients the settlement and examination service in different places.

 (Reporter Zhao Wei)