The reimbursement rate of urban national medical insurance for hospitalization is about 8%.

if it is hospitalization expenses, when the basic medical insurance is used for the first time in a year, the minimum payment is 1,3 yuan for both employees and retirees. And the second and later hospitalization medical expenses, Qifubiaozhun determined by 5%, is 65 yuan. The maximum payment of the basic medical insurance pooling fund (hospitalization expenses) in a year is currently 7, yuan.

The reimbursement standard for hospitalization is related to the level of the hospital where the insured person lives. If the insured person lives in a tertiary hospital, the employee will pay 15%, that is, 85%, from the minimum payment standard to 3, yuan. 3, yuan to 4, yuan, 1% paid by employees and 9% reimbursed; If the expenses exceed 4, yuan to the maximum payment limit, 95% can be reimbursed, and employees only need to pay 5%. The proportion paid by retirees is 6% of that paid by on-the-job (that is, the above-mentioned) employees, but all those below the minimum threshold are paid by individuals.

according to the relevant regulations, employees pay 2% of their average salary in the previous year. After joining the medical insurance, the insured will get a current passbook of Bank of Beijing, and all 2% of the basic medical insurance paid by individuals will be credited to their personal accounts.

Generally, the money for going to the outpatient clinic for minor ailments is paid from the personal account, and the money in the personal account can be freely controlled by the individual. In principle, it is used to pay the daily minor medical expenses and the medical expenses that should be paid by the individual according to the regulations. Its interest is calculated according to deposit interest rate, a resident of the same period, but the state does not charge interest tax on the deposits in the account. Therefore, the insured can only withdraw money from this account, but not save money.

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