1. Self-paid part: When we seek medical treatment, we may incur expenses that are out of the medical insurance catalogue, that is, self-paid expenses.

2. For medical treatment items, drugs and medical consumables that cannot be reimbursed by medical insurance, these expenses can neither be reimbursed by the medical insurance pooling fund nor paid by the medical insurance personal account.

Medical insurance:

1, which generally refers to basic medical insurance, is a social insurance system established to compensate workers for economic losses caused by disease risks.

2, through the payment of employers and individuals, the establishment of medical insurance fund, medical insurance institutions to give certain economic compensation for the medical expenses of the insured.

To sum up, the basic medical insurance fund in principle, the implementation of municipal co-ordination. The basic medical insurance covers all employers and their employees in cities and towns; All enterprises, state administrative organs, institutions and other units and their employees must fulfill the obligation to pay the basic medical insurance premium. The employer's contribution ratio is about 6% of the total salary, and the individual contribution ratio is 2% of my salary. Part of the basic medical insurance premium paid by the unit is used to establish the overall fund, and part of it is included in the personal account; The basic medical insurance premiums paid by individuals are included in personal accounts. Pooling funds and individual accounts bear different responsibilities for payment of medical expenses.

Legal basis:

People's Republic of China (PRC) Civil Code

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.