In terms of the proportion of medical expenses, there is a part to be met by individuals and a part to be paid as a whole (that is, the part to be reimbursed by the medical insurance fund).

The words "deferred payment of the overall amount" inform the insured that (for some reason) the reimbursement part of the deferred payment of the overall amount must be paid by himself first, and then reimbursed after "for some reason" is eliminated. This is an administrative informing behavior.

Qifubiaozhun is mainly set to avoid excessive hospitalization for minor illnesses, and outpatient expenses occupy the overall fund to ensure that the overall fund has enough ability to pay for "serious illness". ? Setting the maximum payment limit can not only enable the vast majority of patients (99.6%) to be paid by the overall fund within the "cap", but also prevent a very small number of people from overusing the overall fund and affecting the payment of medical expenses for the vast majority of employees.

The minimum payment standard and maximum payment limit of the overall fund. Qifubiaozhun is controlled in principle at about 10 of the average annual salary of local employees, and the maximum payment limit is controlled at about 4 times of the average annual salary of local employees. Medical expenses below Qifubiaozhun shall be paid by personal account or borne by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion. Medical expenses exceeding the maximum payment limit can be solved by means of commercial medical insurance.