The reimbursement ratios of medical insurance are different because the medical expenses in some cases are not included in the payment scope of the basic medical insurance fund. These scopes include the following: (1) should be paid from the work-related injury insurance fund; (2) should be paid by the basic medical insurance fund.

A third party shall bear the burden; (3) The medical expenses shall be borne by the public health department; (4) The medical treatment shall be provided abroad.

Article 26 of the "Social Insurance Law of the People's Republic of China" The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 27 If an individual who participates in the basic medical insurance for employees reaches the legal retirement age and has paid cumulative contributions for the number of years specified by the state, he will no longer pay basic medical insurance premiums after retirement and will enjoy basic medical insurance benefits in accordance with the regulations of the state;

Yes, you can pay until the number of years specified by the state.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.

Article 30 The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) Those that should be paid from the work-related injury insurance fund; (2) Those that should be borne by a third party; (3) Those that should be borne by the public health department

; (4) Seeking medical treatment abroad.

Medical expenses should be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical insurance fund shall pay first.

After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.