The reimbursement ratio of urban medical insurance is as follows:

1. For tertiary hospitals, the minimum payment standard for students, children and people aged 70 and above is 650 yuan, and the reimbursement ratio is 50% ; The minimum payment standard for other urban residents is 659 yuan, the reimbursement ratio is 50%, and the upper limit is 2,000 yuan;

2. Second-level hospitals, students, children and people aged 70 and above have to pay the minimum The standard is 300 yuan, and the reimbursement rate is 60%; the minimum payment standard for other urban residents is 300 yuan, and the reimbursement rate is 55%;

3. First-level hospitals: students, children, and those over 70 years old and There is no minimum payment standard for the above people, and the reimbursement ratio is 65%; there is no minimum payment standard for other urban residents, and the reimbursement ratio is 60%.

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 employer and individual contributions. 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 has gathered 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 and reduce medical expenses. burden to prevent sick members of society from becoming impoverished due to illness.

Legal Basis

"Social Insurance Law of the People's Republic of China"

Article 28 In line with the basic medical insurance drug catalog, diagnosis and treatment items, medical Service facility standards and emergency and rescue medical expenses shall be paid from the basic medical insurance fund in accordance with national regulations. Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a medical expense settlement system for medical treatment in other places to facilitate insured persons to enjoy basic medical insurance benefits.