Legal analysis: in terms of payment, employee medical insurance is borne by both enterprises and employees, with enterprises bearing 7.5% and individuals bearing 2%. If you are an on-the-job employee, you can only reimburse more than 2,000 yuan for medical expenses after seeing a doctor in the emergency department of the hospital, and the reimbursement ratio is 50%. For retirees under the age of 70, expenses above 1300 yuan can be reimbursed, and the reimbursement rate is 70%. For retirees over 70 years old,180% of the expenses above 300 yuan can be reimbursed. At present, when the basic medical insurance is used to pay the hospitalization expenses for the first time in a year, the minimum payment for employees and retirees is 1.300 yuan.

Legal basis: Article 82 of the Basic Medical Care and Health Promotion Law of People's Republic of China (PRC), the expenses of basic medical services are mainly paid by basic medical insurance funds and individuals. The state raises basic medical insurance funds through various channels according to law, and gradually improves the mechanism of sustainable financing and adjusting the level of basic medical insurance protection. Citizens have the right and obligation to participate in basic medical insurance according to law. Employers and employees pay basic medical insurance premiums for employees in accordance with state regulations. Urban and rural residents pay the basic medical insurance premiums for urban and rural residents according to regulations.