After various reimbursements for major illness assistance for marginalized households, do personal medical expenses have to exceed RMB 100,000 to enjoy it?

The medical policies for subsistence allowances are not exactly the same across the country. 1. Taking Fushun City, Liaoning Province as an example, we will introduce its subsistence allowance treatment standards. Urban medical assistance and urban residents' medical insurance are implemented in parallel. The personal payment part of the subsistence allowance recipients (including the deductible and personally paid hospitalization medical expenses) is reimbursed at a rate of 60% of medical assistance. The maximum annual assistance limit for outpatient medical care is 50 yuan per person. The maximum annual assistance limit for inpatient medical care is 2,500 yuan per person; 30% assistance for inpatient medical care is provided to marginal households living on the subsistence allowance, and the maximum annual assistance limit is 1,500 yuan per person. 2. Beijing’s medical insurance policy for people living on minimum living allowances 1. Medical fee reduction and exemption. People with special poverty, people with minimum subsistence allowances and people with hardship subsidies can enjoy 20% of the basic surgery fee and large equipment examination fees for CT and MRI when they see a doctor, and 50% reduction in general hospital bed fees. 2. For outpatient assistance, the outpatient expenses incurred by urban and rural subsistence allowance and low-income people who do not enjoy the basic medical insurance for employees, after being reimbursed by the basic medical insurance for residents or the new rural cooperative medical insurance, will be borne by the civil affairs department at a rate of 70%. Medical assistance is provided, with a maximum annual assistance limit of 4,000 yuan. 3. Major disease relief social assistance recipients’ outpatient or inpatient medical expenses due to major diseases, after being reimbursed by medical insurance or new rural cooperative medical care, the personal burden will be provided by the civil affairs department at a rate of 75% for major disease relief, and the cumulative total throughout the year The maximum amount of assistance is 80,000 yuan. 4. Relief diseases include 15 types of malignant tumors, end-stage renal disease, severe mental illness, type I diabetes, congenital heart disease, leukemia, hemophilia, aplastic anemia, and organ transplantation (heart, lung, liver, kidney) ); multi-drug tuberculosis, Chinese myocardial infarction, cerebral infarction, hyperthyroidism, cleft lip and palate, AIDS opportunistic infections (newly added) 5. Fertility assistance Poor pregnant women who receive social assistance and hold a fertility service certificate issued by the city’s health and family planning department For postpartum women, after being reimbursed by medical insurance, new rural cooperative medical care, etc., the personal burden within the scope of the policy shall be borne by the civil affairs department according to the pregnancy check-up assistance, which shall not exceed 1,200 yuan, the hospitalization assistance for normal labor shall not exceed 2,600 yuan, and the hospitalization assistance for cesarean section shall not exceed 2,600 yuan. 4,200 yuan for maternity assistance. 6. Hospitalization deposit reduction and exemption and immediate discharge settlement. Urban and rural minimum living allowance and low-income people who really need to be hospitalized can enjoy a 70% reduction in hospitalization deposit in designated medical institutions, including urban "three noes" people, rural five-guarantee support staff and civil affairs departments The managed educated youths who are disabled due to work (illness) and return to the city can enjoy 100% reduction in hospitalization deposit. After being reimbursed by medical insurance or new rural cooperative medical care, the personal burden will be paid in proportion by designated medical institutions. Urban and rural subsistence allowance and low-income people only need to pay the actual burden to go through the discharge procedures

Extended reading: Insurance How to buy, which one is better, and a step-by-step guide to avoid the "pitfalls" of insurance