Legal analysis: (1) Medical expenses incurred in tertiary hospitals: 1. For the part from the minimum payment standard to 30,000 yuan, the overall fund pays 85% and the employee pays 15%; 2. For the part exceeding 30,000 yuan to 40,000 yuan

, the overall fund pays 90%, and employees pay 10%; 3. For the part exceeding 40,000 yuan, the overall fund pays 95%, and employees pay 5%.

(2) Medical expenses incurred in secondary hospitals: 1. For the part where the minimum payment standard is up to 30,000 yuan, the overall fund will pay 87%, and the employee will pay 13%; 2. For the part exceeding 30,000 to 40,000 yuan, the overall fund will pay

92% is paid, and employees pay 8%; 3. For the part exceeding 40,000 yuan, the overall fund pays 97%, and employees pay 3%.

(3) Medical expenses incurred in first-level hospitals and family beds: 1. For the part from the minimum payment standard to 30,000 yuan, the overall fund pays 90% and the employee pays 10%; 2. For the part exceeding 30,000 yuan to 40,000 yuan

, the overall fund pays 95%, and employees pay 5%; 3. For the part exceeding 40,000 yuan, the overall fund pays 97%, and employees pay 3%.

(4) The personal payment ratio for retirees is 60% of the employee payment ratio.

Legal basis: Article 12 of the "Social Insurance Law of the People's Republic of China" The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record them into the basic pension insurance overall fund.

Employees should pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state and record them into their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in basic pension insurance in the employer, and other flexible employment personnel who participate in basic pension insurance shall pay basic pension insurance premiums in accordance with national regulations and record them separately in the basic pension insurance pooling fund

and personal accounts.

Article 13 Before employees of state-owned enterprises and public institutions participate in basic pension insurance, the basic pension insurance premiums that should be paid during the deemed payment period shall be borne by the government.

When there is insufficient payment from the basic pension insurance fund, the government will provide subsidies.