Xiamen's medical insurance reimbursement policy is differentiated according to personal status and medical expenses. On-the-job employees' outpatient reimbursement starts at 18 yuan, and the excess part is reimbursed at 5%. The maximum amount of outpatient medical expenses is 2, yuan. In terms of hospitalization, the deductible for the first hospitalization is 13 yuan, and the deductible for each subsequent hospitalization is 65 yuan. During the year, the maximum payment limit of the basic medical insurance pooling fund for hospitalization expenses is 7 thousand yuan.

For retirees under 7 years of age, the reimbursement rate of medical expenses above 1,3 yuan is 7%, and the excess is calculated according to the above rules for on-the-job employees. For retirees over 7 years old, the reimbursement rate has increased to 8%. The reimbursement standard for hospitalization is related to the hospital level: in a tertiary hospital, employees pay 15% and reimburse 85% of the expenses ranging from 1,3 yuan to 3, yuan; 3, yuan to 4, yuan, 1% paid by employees and 9% reimbursed; For the part exceeding 4, yuan to 7, yuan, employees will pay 5%, and the remaining 95% will be reimbursed by medical insurance. The expenses below Qifubiaozhun shall be borne by the retirees in full, and the remaining reimbursement ratio shall be 6% of the employees.

Generally speaking, the details of medical insurance reimbursement in Xiamen depend on personal identity, the amount of medical expenses and the level of hospitals visited, ensuring different levels of medical security.