Since 2016, our country has introduced a systematic system combining health insurance and NRIC insurance. The establishment of an integrated health insurance system has made it more complete. Although it is not fully covered, most people in our country have their own health insurance accounts. When a worker suffers from an illness, he or she can use the medical insurance account to see a doctor, register and buy medicine. Despite this, we still often see crowdfunding, droplet fundraising, and other fundraising messages in our circle of friends, on Weibo, or on TV. This is because health insurance can only serve as a basic insurance for people who are sick, and it can't fully cover all the costs of medical treatment.
First point: the scope of medical insurance
The amount of money available in the medical insurance account is not available in every medical institution. Medicare can only be used at a healthcare facility, and not every medicine can be covered by Medicare when using Medicare at a healthcare facility. For example, some imported medicines, expensive anti-cancer drugs, or certain surgical equipment and medicines used during surgery, such as anesthetics. These are all expenses that are not covered by health insurance, and these non-reimbursable medical expenses are the ones that the patient's family and themselves have to bear.
The second point: Medicare reimburses patients 80% of their medical expenses
Even though our country has achieved 80% reimbursement from Medicare. But there are still some families who can't afford the remaining 20%.
An example: a patient's cost a **** is 500,000 yuan, health insurance this part can reimburse 400,000 yuan. But the remaining $100,000 in hospital fees will have to be paid by the patient and his or her family. However, for most families, $100,000 may be all that everyone in a large family has, or maybe not even that much.
It is because of this that crowdfunding for medical treatment has emerged in society. This is what is called a party in distress, eight parties to support it.