1, and the highest reimbursement rate for low-income households is 60%. For people with difficulties such as low-income households, five-guarantee elderly people and special care recipients, after the medical expenses for hospitalization due to illness are reimbursed by the new rural cooperative medical system or urban medical insurance, 65% can be reimbursed, and the ceiling line is 35,000 yuan.

2. The medical expenses borne by patients are the remaining expenses after two reimbursements plus some self-funded expenses.

The requirements for low-income families are as follows:

1. The maintenance obligor cannot be determined, or although there is a legal maintenance obligor, the maintenance obligor is unable to support;

2. People who are unable to work;

3, no source of livelihood (excluding scavengers, the law does not explicitly stipulate that scavengers are the source of livelihood);

4, the elderly, the disabled, villagers under 65 438+06. Meet one of the conditions, you can apply for low-income households. The minimum target should be determined by my application or nomination by the villagers' committee. If the villagers' group or other villagers are unable to express their wishes because of their youth or mental disability, they shall apply on their behalf, which shall be examined and announced by the villagers' committee and reported to the township government for examination and approval.

To sum up, although the subsistence allowance can help some families to alleviate their living difficulties to a certain extent, it may have a negative impact on their children's growth if they rely on it for a long time. While providing subsistence allowances, the government and society should pay attention to improving the self-development ability of families and promoting their self-poverty and development.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.