Legal analysis: The so-called Qifubiaozhun of the basic medical insurance pooling fund refers to the amount of medical expenses that the insured must pay before the pooling fund starts to pay the medical expenses within the scope of the pooling fund, which is also commonly referred to as the "threshold" for the pooling fund payment.

The so-called maximum payment limit of the overall fund is the so-called "capping line", which refers to the upper limit of the medical expenses that the overall fund can pay. Medical expenses exceeding the maximum payment limit shall not be paid by the basic medical insurance.

According to the State Council's "Decision on Establishing the Basic Medical Insurance System for Urban Workers" (Guo Fa [1998] No.44), the minimum payment standard of the basic medical insurance pooling fund is controlled at about 10% of the average annual salary of local employees in principle, and the maximum payment limit is controlled at about 4 times of the average annual salary of local employees in principle.

Therefore, the average annual salary of workers in different provinces and cities in China is different, and the minimum payment standard and maximum payment limit of the basic medical insurance pooling fund in different cities are also different.

Legal basis: Article 25 of the Social Insurance Law of People's Republic of China (PRC), the state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.