Legal analysis: the maximum payment limit of medical insurance 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 this city last year.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and both employers and employees shall pay the basic medical insurance premium according to the provisions of the state. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.