Legal analysis: outpatient medical insurance should be reimbursed according to the scope, proportion and process of reimbursement. Everyone needs to pay medical insurance. The hospitalization expenses incurred by the insured in designated hospitals or specialized hospitals, Chinese medicine hospitals and 3A hospitals of their choice can be reimbursed in proportion, and there are procedures for reimbursement. 1, personal account transfer method. Based on my salary and retirement expenses in the previous year, personal account funds are transferred in different proportions in the following three age groups: under 45 years old (including 45 years old), over 5 years old at 2.3% (including personal contributions), and those who have not reached the legal retirement age are transferred to the legal retirement age at 2.5% (including personal contributions). 2. Overall fund payment method, hospitalization deductible standard: hospitals above Grade III (including Grade II) in 700 yuan, hospitals below Grade I (including Grade II) in 600 yuan and 500 yuan. If the insured is hospitalized several times in an insurance year, the deductible line for the second hospitalization in tertiary hospitals is 500 yuan, the deductible line for the third hospitalization is 400 yuan, then the deductible line for the second hospitalization in 300 yuan hospitals is 400 yuan, the deductible line for the third hospitalization is 300 yuan, then the deductible line for the second hospitalization in 200 yuan hospitals is 300 yuan, and the deductible line for the third hospitalization is 200 yuan, and then it is 100 yuan.

Legal basis: Article 30 of the Social Insurance Law of People's Republic of China (PRC), the following medical expenses are not included in the scope of payment of the basic medical insurance fund: (1) those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.