大病保险守牢因病返贫底线

Core Insights - The article highlights the importance of critical illness insurance in alleviating the financial burden of medical expenses for families in rural areas, particularly in Gansu Province [1][2][3] Group 1: Policy Overview - Critical illness insurance serves as a supplementary protection under the basic medical insurance framework, specifically designed to address high medical costs associated with severe illnesses [1] - Participation in urban and rural resident medical insurance automatically qualifies individuals for critical illness insurance without the need for separate purchase [1] Group 2: Implementation and Efficiency - The implementation of a "one-stop settlement" system has significantly reduced the time required for claims processing from 3-15 days to just 2-3 minutes, enhancing the efficiency of the insurance claims process [2] - The system allows for automatic synchronization of basic medical insurance and critical illness insurance settlements at designated medical institutions, minimizing the administrative burden on patients [2] Group 3: Financial Impact and Coverage - The critical illness insurance policy is designed to prevent families from falling into poverty due to medical expenses, with reimbursement standards set at no more than 50% of the previous year's per capita disposable income [3] - In 2024, the combined medical insurance, critical illness insurance, and medical assistance programs benefited 218.317 million rural low-income individuals, reducing their medical expenses by 196.161 billion [3] - As of September 2023, critical illness insurance has compensated 788,300 individuals, totaling 1.428 billion in claims, with impoverished populations receiving 722 million [3]