当人们患有重大疾病时,目前的医保政策加上商业医疗保险,仍难以完全解决看不起病问题。首先,医疗保险有滞后性。由于医疗保险是与保险机构结合的一种保障方式,有时因不能联网结算等原因难以即时报销,需要治疗后报销,这种滞后性不但使一些贫困家庭的患者难以得到及时治疗,即使一些已经达到温饱水平的家庭在遇到重大疾病时也会感到不便。 When people have a major illness, the current health insurance policy, combined with commercial medical insurance, still can not completely solve the problem of looking down on the disease. First, health insurance lags behind. Because medical insurance is a combination of insurance agencies and a form of protection, and sometimes unable to network due to settlement and other reasons is difficult to reimbursement immediately after treatment needs reimbursement, this lag will not only make some poor families in patients with timely treatment is difficult, even if some have been achieved Adequate families also experience inconvenience in the face of major diseases.