The medical insurance is cumulatively paid for 25 years for men and 20 years for women.

The specific reimbursement ratio of medical insurance is as follows: 1. The amount that can be reimbursed by medical insurance is: reimbursement amount = (total medical expenses - self-pay - self-pay - threshold) * reimbursement ratio, the reimbursement ratio is approximately 85%; 2. If the basic limit is exceeded

, then the social insurance department will reimburse 85% of the amount from 0 to 40,000 yuan, 90% from 40,000 to 80,000 yuan, and 95% of the amount above 80,000 yuan.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks.

A medical insurance fund is established through contributions from employers and individuals. After insured persons incur medical expenses for medical treatment, the medical insurance agency will provide them with certain financial compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of units and social members, and coupled with government funding, can enable sick members of society to obtain necessary material help from the society, reduce the burden of medical expenses, and prevent the society from falling ill.

Members are “impoverished due to illness.”

Legal Basis Article 23 of the "Social Insurance Law of the People's Republic of China" Employees shall participate in employee basic medical insurance, and the employer and employees shall jointly pay the basic medical insurance premiums in accordance with national regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other people with flexible employment can participate in the basic medical insurance for employees, and individuals must pay the basic medical insurance premiums in accordance with national regulations.

Article 25 The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions and government subsidies.

The government subsidizes the required personal contributions for people who enjoy the minimum living security, disabled people who have lost the ability to work, elderly people over 60 years old and minors from low-income families.

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 shall 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.