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][3] Group 1: Policy Overview - Critical illness insurance serves as a secondary layer of protection within 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 Impact - The implementation of a "one-stop settlement" system has significantly reduced the time required for claims processing from 3-15 days to just a few minutes, enhancing the efficiency of the insurance claims process [2] - The critical illness insurance policy has a reimbursement structure that is designed to protect low-income families, with specific provisions for those in extreme poverty, including reduced thresholds and increased reimbursement rates [3] Group 3: Outreach and Participation - Efforts to increase awareness of the policy have led to a rise in participation rates from approximately 70% to 98% through targeted outreach and educational initiatives [3] - As of September 2023, the critical illness insurance has compensated 788,300 individuals, with total payouts reaching 1.428 billion yuan, demonstrating its significant role in supporting impoverished populations [3]