Zhongshan basic medical insurance benefits include hospitalization basic medical insurance benefits, outpatient medical expenses reimbursement benefits for specific diseases and maternity medical expenses reimbursement benefits; Supplementary medical insurance benefits include general outpatient treatment (paid by personal medical account), special disease outpatient co-ordination treatment and hospitalization supplementary medical treatment.

1. If the insured person is hospitalized due to illness and exceeds the minimum hospitalization expenses, and is hospitalized in the first-and second-class designated hospitals (including community health service centers) in Zhongshan City, 9% will be paid by the overall fund and 1% will be paid by the individual;

2. For those hospitalized in tertiary hospitals in the city, 8% of the medical insurance expenses below 1, yuan (inclusive) will be paid by the overall fund, 2% by the individual, 85% by the overall fund and 15% by the individual;

3. For those who are transferred to designated hospitals outside the city, 78% of the medical insurance expenses below 1, yuan (inclusive) are paid by the basic medical pooling fund, 22% by the individual, 83% by the basic medical pooling fund and 17% by the individual.

4. If the insured person who has paid the supplementary medical insurance premium continuously for more than one year (including one year) is hospitalized due to illness and enjoys the basic medical insurance benefits for hospitalization (including the reimbursement of outpatient medical expenses for specific diseases), 9% of the medical insurance expenses paid by individuals during the social security year will be paid by the supplementary medical insurance pooling fund.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.