after the insured's hospitalization medical expenses exceed the maximum payment limit of the basic medical insurance pooling fund, the unit or hospital shall fill in the Declaration Form for Large Medical Pooling Expenses and report it to medical insurance bureau. In the medical treatment, in addition to the individual pays part, large medical expenses are settled by the hospital and medical insurance bureau; Transferred for medical treatment, by the unit with the "medical declaration form", the receipt of hospitalization expenses, discharge summary, expense list to the city of medical insurance bureau for reimbursement. The reimbursement rate of large medical expenses is 9% (8% for those who are transferred to other hospitals), and the maximum payment limit of large medical insurance fund within 12 months is 125, yuan (excluding 25, yuan paid by the basic medical insurance pooling fund). The insured pays a large amount of medical expenses according to the proportion. After the insured enters the large medical insurance payment, the medical expenses for hospitalization, outpatient emergency rescue and outpatient treatment of serious diseases and chronic diseases that meet the requirements of the basic medical insurance will be accumulated by the large medical insurance fund and the insured in proportion, and the burden will be the same. The specific criteria are: (1) For the part of 45, yuan to 1, yuan (including 1, yuan), 94% is paid by the large medical insurance fund, and 6% is paid by the insured; From 1, yuan to 2, yuan (including 2, yuan), the large medical insurance fund pays 96%, and the insured pays 4%; For the part of more than 2, yuan, 98% is paid by the large medical insurance fund, and 2% is paid by the insured. (II) The medical expenses of the insured who use the medical treatment items that belong to the basic medical insurance pooling fund to pay part of the expenses and the Class B drugs in the Catalogue of Medicines for Basic Medical Insurance shall be paid by the individual 1% first, and the medical expenses for the approved use of blood shall be paid by the individual 3% first, and the balance shall be borne by the large medical insurance and the insured in proportion according to the regulations. (3) Insured persons use artificial organs and implanted materials in vivo that meet the requirements of basic medical insurance, of which 35% is paid by individuals and 65% is paid by large medical insurance; If it is imported, the individual pays 5%, and the large medical insurance pays 5%. According to reports, the maximum amount of medical expenses paid to each insured person for large-scale medical insurance in an insurance year is 3, yuan. There are three main reimbursement methods for large medical expenses: if the insured person's large medical expenses are paid in advance by the designated hospital, the insured person will pay the self-payment ratio to the designated hospital according to the regulations, and the designated hospital will reimburse the large medical insurance office; If the insured person goes to the referral hospital for medical treatment, because the large medical expenses are paid in advance by the individual, such personnel should go to the large medical insurance office for reimbursement with medical records, invoices and lists; For insured persons who have paid a large amount of medical expenses in designated hospitals, they can go to the large medical insurance office for reimbursement with medical records, invoices and lists after discharge. When the applicant reimburses medical expenses, he should follow the relevant reimbursement steps to ensure the smooth realization of reimbursement.