Legal analysis: As long as you are insured and pay the fees normally, you should allocate a certain proportion of money every month.

legal basis: article 3 of the social insurance law of the people's Republic of China excludes the following medical expenses from the basic medical insurance fund:

(1) those that should be paid from the industrial injury insurance fund (2) those that should be borne by a third party (3) those that should be borne by public health (4) those who seek medical treatment abroad.

the medical expenses shall be borne by the third party according to law. if the third party fails to pay or cannot determine the third party, the basic medical insurance fund shall pay in advance. After the basic medical insurance fund has paid in advance, it has the right to recover from the third party.