Legal analysis: 1. Proportion of reimbursement for outpatient and emergency services: medical expenses of more than 2, yuan can only be reimbursed after employees go to the outpatient and emergency services of hospitals, and the reimbursement ratio of medical insurance for urban residents in Changsha is 5%. If it is a retiree under 7 years old, the expenses above 13 yuan can be reimbursed, and the proportion of reimbursement is 7%. If it is a retiree over 7 years old, 8% of the expenses above 1,3 yuan can be reimbursed. No matter what kind of people, the maximum amount of outpatient and emergency medical expenses paid is 2 thousand yuan. 2. Proportion of hospitalization reimbursement: (1) When hospitalization expenses are paid by basic medical insurance for the first time in a year, the minimum payment is 1,3 yuan for both employees and retirees. And the second and later hospitalization medical expenses, Qifubiaozhun determined by 5%, is 65 yuan. The maximum payment of the basic medical insurance pooling fund (hospitalization expenses) in a year is currently 7, yuan. (2) The standard of hospitalization reimbursement is related to the level of the hospital where the insured person lives. For example, if he lives in a tertiary hospital, the employee will pay 15% of the expenses from Qifubiaozhun to 3, yuan, that is, 85% will be reimbursed; 3, yuan to 4, yuan, 1% paid by employees and 9% reimbursed; If the expenses exceed 4, yuan to the maximum payment limit, 95% can be reimbursed, and employees only need to pay 5%. The proportion paid by retirees is 6% of that paid by on-the-job (that is, the above-mentioned) employees, but all those below the minimum threshold are paid by individuals.

legal basis: article 28 of the social insurance law of the people's Republic of China conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.