the proportion of medical insurance payment and the proportion of returning individuals vary according to regions and policies, and the following are general explanations:

1. Proportion of social insurance expenses: In China, social insurance expenses are generally paid by individuals and units. Among them, the proportion of medical insurance expenses is 8% for individuals, 12% for units and 2% for * * *.

2. proportion of medical insurance reimbursement: the proportion of medical insurance reimbursement includes two aspects: one is the proportion of medical insurance fund payment, and the other is the proportion of personal conceit.

In China, the proportion of medical insurance fund payment generally ranges from 5% to 9%, which varies according to different medical services and policies. The specific proportion can be inquired about the policies of the local medical insurance department.

the proportion of personal conceit refers to the part that the medical insurance fund does not pay, that is, the expenses that individuals need to bear by themselves. The proportion of personal conceit also varies according to medical service items and policies, generally between 1% and 5%.

3. Return ratio of medical insurance personal account: In China, medical insurance personal account refers to a special fund accumulated by medical insurance expenses paid by individuals to pay personal medical expenses. The proportion of medical insurance personal account refund varies according to different regions and policies, generally between 3% and 7%.

The payment standard of medical insurance is as follows:

1. Proportion of medical expenses: The proportion of medical expenses paid by medical insurance fund is generally 5%-9%, and the specific proportion depends on the nature, type and grade of medical services;

2. Drug payment standard: the standard for medical insurance fund to pay drug expenses is generally zero price difference or price limit, that is, the price of drugs provided by medical institutions should not be higher than the local price limit standard;

3. Payment standard related to disease diagnosis: For some specific diseases and medical services, the payment standard of medical insurance fund may be different. For example, for patients with chronic diseases, treatment of special diseases, special medical services, etc., the proportion of medical insurance fund payment may be higher;

4. Personal out-of-pocket standard: The part paid by the medical insurance fund does not include the personal out-of-pocket part. Individuals need to pay the corresponding out-of-pocket part according to their own medical insurance types and regional regulations.

to sum up, the specific medical insurance payment standard and individual out-of-pocket payment standard may change in different regions and times. When enjoying medical insurance benefits, individuals are advised to understand their rights and responsibilities and abide by the relevant provisions of medical insurance to avoid unnecessary problems.

Legal basis:

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and both the employer and the employees shall pay the basic medical insurance premium according to the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer 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.