All the insurance expenses of individuals need to be paid by themselves. The unit guarantee fee shall be paid by units and individuals according to a certain proportion. Among them, the unit pays 7.5% and the individual pays 2%. In other words, unit insurance can save the insured's insurance cost.

Second, the reimbursement ratio is different.

1, urban residents. In a settlement year, medical expenses below RMB 6,543,800+that meet the scope of reimbursement occur, and the threshold of tertiary hospitals is 500 yuan, and the reimbursement ratio is 50%; The Qifubiaozhun for hospitalization in secondary hospitals is 300 yuan, and the reimbursement rate is 55%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 60%.

2. The medical expenses above 1800 yuan can only be reimbursed after the on-the-job employees go to the hospital for emergency treatment, and the reimbursement ratio is 50%. For retirees under the age of 70, the expenses above 1300 yuan can be reimbursed, and the reimbursement rate is 70%. For retirees over 70 years old,180% of the expenses above 300 yuan can be reimbursed.

Extended data

The role of medical insurance

1, the main purpose of medical insurance is to pay for outpatient treatment. When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your insured identity and registration. Individuals can directly settle the part of medical insurance reimbursement by medical insurance and hospitals, without paying fees first and then reimbursing. Only when the account is settled can the balance of the medical insurance card or cash be used to pay the self-funded part.

2. There is a deductible for hospitalization reimbursement, that is to say, you need to pay the deductible yourself, and the part beyond the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different projects in different hospitals are different, about 80%. You can go to the local labor and social security online for details.

3. The money in the medical insurance card account can't be used for shopping and cashing, but the following expenses can be paid: the cost of purchasing drugs at designated retail pharmacies, the medical expenses of outpatient and emergency departments, the personal purchase of commercial insurance and accidental injury insurance.

Baidu Encyclopedia-Personal Account of Medical Insurance

Baidu encyclopedia-medical insurance