The unit contribution is 8% of the total salary of the current employee in the previous year, and the individual contribution is 2%, totaling 10%.

Division of funds: The hospital’s funding sources are divided into two parts: basic medical fund and medical equipment purchase (5 million yuan per year). Medical insurance fund: personal account + pooling fund, which is approximately 20 million yuan per year for personal account and 40 million yuan for pooling fund.

Pooling fund == enterprise 8% - (1% + 1.4% + 3.7%), personal account == individual 2% + (1% + 1.4% + 3.7%).

Personal account: mainly used to pay outpatient + pharmacy expenses; pooling fund: mainly used to pay for hospitalization expenses, chronic diseases and major examinations, etc.

2. Medical assistance special fund: 1) At the end of the year, the fund is withdrawn based on the standard of 80 yuan per person for the total number of registered employees and retirees, and is divided into large-amount medical assistance (35,000--150,000) and difficult medical assistance.

2) Within one year, the maximum payment limit of the medical insurance pooling fund is 35,000 yuan, and the large-amount medical assistance payment limit is 35,000 yuan to 150,000 yuan. The basic medical insurance will no longer cover the portion exceeding 150,000 yuan and is decided by the leadership.

3) Large medical assistance: insured employees incur medical expenses that meet the regulations (35,000 to 150,000) during the year.

Payment ratio: 80% is paid in the first year of insurance; 85% is paid for more than two years; the benefits for retirees are 5 percentage points higher than those for current employees.

4) Difficulty medical assistance: The insured employees’ personal expenses incurred in designated hospitals within the year that meet the regulations exceed more than 50% of their annual total salary (half a year’s salary).

At the end of the year, each unit will submit materials - reviewed by the Medical Insurance Center - and submitted to the group company's medical insurance leading group for review and approval - to provide assistance to qualified employees in need.

Three treatment fee methods: 1) Outpatient service: Mainly using personal accounts, the overall fund can pay for outpatient chronic diseases and large-scale examinations that fall into the overall proportion.

2) Hospitalization: a) Minimum payment standard: Second-class A (and third-class) hospitals: 400 for in-service, 300 for the second time and thereafter, and 200 for retirement.

Only the main hospital and external and off-site hospitals. Second-class second-class (and first-class) hospitals: 300 for in-service, 200 for the second time and thereafter, and 100 for retirement after 200.

b) The portion above the minimum payment standard is paid by individuals and pooling funds in proportion. The self-payment ratio is: 0 to 10,000 yuan above the minimum payment standard. The personal self-payment ratio is 15% for current employees and 7.5% for retirees; above 10,000 yuan, it reaches the ceiling.

(35,000 yuan), the personal self-payment ratio is 10% for active employees and 5% for retirees.

3) Use of materials: When insured employees enjoy basic medical care (0---35,000), if they use domestic materials, 100% will be included in the scope of overall reimbursement; individuals will pay 10% for joint venture materials, and 30% for large amounts, and the overall plan will be proportional

Pay 60%; individuals pay 10% for imported materials, 40% for large amounts, and 50% for the overall payment proportion; when receiving large-amount medical assistance (35,000---150,000), individuals pay 10% for imported and joint venture materials

, and the remaining 90% is paid in large amounts according to the prescribed proportion.

4) Drug management: a) 100% of the use of Class A drugs will be included in the scope of overall reimbursement, and payment will be made on a proportional basis.

b) 10% of Class B drugs shall be paid by insured employees themselves and the other 90% = Class A drugs. c) When using Class B drugs, employees’ consent must be obtained first and an agreement must be signed. If no agreement has been signed,

Drug costs—individual insured employees may refuse to pay—the medical insurance fund will not pay either.

d) The cost of Category B drugs used by the hospital shall not exceed 50% of the total drug cost of this hospitalization; the cost of self-paid drugs shall not exceed 10% of the total drug cost of this hospitalization. The hospital must ensure that more than 90% of the medical insurance drugs are covered by the interest on the personal medical insurance account of the four employees

The specific interest calculation method for the accumulated interest on employees’ personal medical insurance accounts is tentatively calculated based on the demand deposit interest rate announced by the bank that year.

5. Chronic disease management: Employees with chronic diseases who have been identified and entered into the medical insurance network can enter the pool after using up their personal accounts. Employees will pay 400 yuan out of pocket and retirees will pay 300 yuan out of pocket.

Each cost-----the insured employee pays 20% out of pocket, and then the overall fund pays it in proportion.

(The maximum payment limit of the outpatient overall fund for patients suffering from multiple chronic diseases at the same time is 500 yuan for each additional type, with a maximum of no more than 5,000 yuan. Outpatient malignant tumors, radiotherapy, dialysis for uremia patients, and anti-excretion treatment after organ transplantation are included.

The overall fund payment is not subject to the maximum outpatient limit, and does not bear the 20% minimum payment. The chronic disease expenses incurred in the outpatient service are included in the maximum payment limit of the overall fund (0 to 150,000).

: When immediate family members (including only children) supported by company employees become ill, they can enjoy 1/2 of the medical expenses of current employees.