Legal analysis: (1) The payment of medical insurance benefits means that after the employees who participate in the basic medical insurance for employees get sick, the medical insurance agency provides medical services to the sick employees and reimburses their medical expenses according to the conditions and treatment standards stipulated in advance.

(2) The payment of medical insurance benefits includes the treatment of sick leave and the payment of medical expenses. The treatment of sick leave will be elaborated in detail in the third section, and this section will focus on the payment of medical expenses.

(3) If the employer and its employees pay medical insurance premiums in accordance with regulations, the employees can enjoy basic medical insurance benefits; Workers who fail to pay medical insurance premiums cannot enjoy basic medical insurance benefits.

(4) Article 28 of the Social Insurance Law stipulates that medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations. Therefore, the medical insurance benefits enjoyed by employees are the basic medical services required by the state to treat diseases, not all medical services.

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