案情回放：张某是武汉市某国有企业的正式职工。2003年,单位为其办理了社会医疗保险。但在此之前,其在中国人寿保险公司购买了一份人身保险其中有一份附加险为重大疾病险。该险种规定,在张某的保险期内如果发生重大疾病,保险公司将为其报销75%的医疗费用。 Case review: Zhang is a formal employee of a state-owned enterprise in Wuhan. In 2003, the unit handled social medical insurance for it. Prior to this, however, it purchased a life insurance policy from China Life Insurance Company, of which one additional insurance policy was a major illness risk. The insurance regulations, in Zhang’s insurance period if a major illness, the insurance company will be reimbursed for 75% of the medical costs.