After the self-supporting institutions are included in the medical insurance, the basic medical insurance premium for employees shall be shared by the units and individuals. The employer shall pay the basic medical insurance premium according to 8% of the total wages of employees, and the individual employees shall pay the basic medical insurance premium according to 2% of their total wages, and retirees shall not pay the basic medical insurance premium. If the insured is hospitalized due to illness, 70% of the medical expenses will be paid for the part above the minimum threshold of 5,000 yuan, 75% for the part from 5,000 yuan to 1000 yuan, and 80% for the part from 1000 yuan to the maximum payment limit. Retirees will be increased by 10% on the above basis. 12 patients' daily outpatient medical expenses are paid 80% by the overall fund and 85% by retirees. In addition, the medical expenses of insured employees exceeding the maximum payment limit are solved by the "large medical assistance system". Who participated in the basic medical insurance personnel, according to the standard of 2.5 yuan per person per month to pay a large amount of medical assistance, and the personal burden of the insured. If the large medical expenses fall within the scope stipulated by the state, province and city, they shall be paid according to 90% of the excess, and the personal burden shall be 10%. In a medical year, the maximum payment limit enjoyed by patients is 6.5438+0.5 million yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.