1. The proportion of medical insurance reimbursement for employees is divided according to the actual medical expenses incurred by the insured. Usually, the lowest reimbursement rate for hospitalization is 85%, and the highest reimbursement rate is 95%; The proportion of medical insurance reimbursement for urban and rural residents is between 50% and 80% according to the hospital level. Due to the different economic levels in different regions, the proportion of medical reimbursement may be slightly different;

2, medical insurance card reimbursement is generally proportional, generally 60%-70%. In a settlement year, medical expenses below 654.38+10,000 yuan that meet the scope of reimbursement occur. The minimum threshold of tertiary hospitals is 659 yuan, and the upper limit of reimbursement ratio is 2000 yuan. The minimum threshold for hospitalization in secondary hospitals is 300 yuan, and the reimbursement rate is 55%. There is no minimum threshold for first-class hospitals.

Medical insurance reimbursement process:

1. Confirm reimbursement scope: During the treatment, you need to confirm whether your treatment items are within the scope of medical insurance reimbursement;

2. Collect reimbursement materials: collect relevant treatment records, drug receipts, medical expense lists and other relevant materials;

3. Go to the social security department for reimbursement: submit relevant materials for medical insurance reimbursement to the local social security department;

4. Pending review: The social security department will conduct relevant review and comparison to confirm the reimbursement ratio and reimbursement amount; Receive reimbursement: After approval, you can receive medical insurance reimbursement at the designated bank.

To sum up, medical insurance is an insurance to compensate medical expenses caused by diseases. The basic medical insurance for urban residents is divided into outpatient co-ordination and basic medical insurance for urban residents.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.