1. If the actual medical expenses exceed the fixed total expenses 10%, the designated medical institutions will bear 30% and the financial burden will be 70%; For the part exceeding 10% to less than 20%, 70% will be borne by designated medical institutions, and the economic burden will be 30%; More than 20% shall be borne by designated medical institutions. If the reasonable medical expenses of the insured medical institutions designated each year reach 90% of the total fixed expenses, and the reasonable actual expenditure of medical expenses in the diagnosis and treatment project does not reach 90% of the total fixed expenses, it shall be settled according to the facts; If the actual expenditure of medical expenses reaches more than 90% of the total fixed expenses and less than 100%, it shall be settled according to the fixed amount.

2. But if there is commercial medical insurance, it can be reimbursed.

3. Medical expenses incurred by non-designated hospitals shall not be reimbursed by medical insurance. In news reports, or at the gates of many hospitals, we can often hear or see the sentence or brand of "xxx designated hospital". The so-called "designated hospitals" are hospitals designated by governments at all levels or medical insurance institutions to reimburse medical expenses of medical insurance participants. Hospitals without this brand are not qualified.

How can people eat whole grains without suffering all kinds of disasters? So, we are sick and need to be hospitalized. Be sure to go to the designated hospital designated by the local government to avoid wasting money.

1. After participating in the basic medical insurance, you will spend as much as you don't report. There is also a maximum payment limit. The maximum payment limit refers to the maximum amount of medical expenses paid by the basic medical insurance fund to the insured in a medical year. At present, the standard is about four times the average wage of employees in the city last year. If the average salary of employees last year was 10000 yuan, the maximum payment limit was about 40000 yuan. According to the new medical reform plan, the maximum payment limit of medical insurance for urban workers or residents will gradually increase to about 6 times of the average annual salary and per capita disposable income of local workers, and the maximum payment limit of the new rural cooperative medical system will gradually increase to more than 6 times of the per capita net income of local farmers.

2. Medical expenses exceeding the limit of medical insurance shall not be reimbursed by medical insurance. In China's medical insurance reimbursement payment system, there are provisions on the upper limit of medical insurance reimbursement. Medical expenses exceeding this upper limit will not be reimbursed by medical insurance. This is because China has a large population base and the pressure of medical insurance reimbursement is great, but in most cases, medical insurance can still help you solve the problem. Even if the medical expenses are too high, you can seek serious illness relief from the civil affairs department on the basis of medical insurance reimbursement. Now many anticancer drugs are also included in the scope of medical insurance, which is also good news for farmers.