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During the year a total medical expenses as a molecule, if the ratio is greater than or equal to 40%, which means the family that a catastrophic medical expenses. 'The State Council Medical Reform Office full-time deputy director of the State Family Planning Commission for Restructuring the Economy Division of Health Liang Wannian presentation, the former Ministry of NCMS major medical insurance from the disease started, including childhood leukemia, congenital heart disease and other 22 kinds of diseases. This second opinion makes clear requirements to major medical expenses occur as a 'serious illness' in standard definition. when the individual pays part exceeds a certain threshold, it could lead to catastrophic household health expenditure, 'this disease is a serious illness.' on the basis of the pre-pilot, opinions on the full implementation of the provisions of urban and rural residents illness insurance, serious illness insurance protection target urban and rural residents basic health insurance insured person, before the end of 2015, serious illness insurance covering all urban and rural residents basic medical insurance insured population. â—\x8E Examples of serious illness insurance pilot work has been in the more open, and at the end of April this year, respectively, 287 and 255 prefecture-level cities in the urban residents and the new rural cooperative illness insurance, covering a population of about 700 million. in the definition of serious illness insurance standards, each pilot places have different approaches, such as residents in Henan Province to participate in 'medical insurance for urban residents', as long as the insurance within a year of hospitalization (including prescribed outpatient chronic) costs cumulative incidence of more than 18,000 yuan, can be based on the basic Medicare reimbursement after the get serious illness insurance 'second claims'; Gansu Province, as long as health insurance of urban and rural residents to participate in the medical costs of compliance of individual patients pay more than 5000 yuan after the illness can get insurance reimbursement for medical treatment can alleviate the financial burden on many observations made.? 2015, serious illness insurance payout percentage should reach 50% or more, with the serious illness insurance financing, management has improved continuously, to further improve the proportion of payment, to more effectively mitigate the personal burden of medical costs according to the level of medical expenses segment develop serious illness insurance payout percentage , medical expenses, the higher the proportion of payment. 'due to the current urban and rural residents in the basic medical insurance for hospitalization expenses reimbursement of actual physical big more than 50%, coupled with serious illness insurance, catastrophic medical expenses future urban and rural residents overall actual claims ratio will be over 70