Legal analysis: 1. Employee's individual contribution ratio: the employee's basic medical insurance is paid by both the employer and the employee, and the employee's contribution ratio is 2% of his salary+3 yuan.

2. Employer's contribution ratio: the employer's contribution ratio is 6% of the total wages of employees. With the development of economy, the payment ratio of employers and employees can be adjusted accordingly.

3. Personal payment base of medical insurance: the monthly payment base is based on the average monthly salary of individuals in the previous year, and the total average monthly salary of employees in the previous year is the payment base.

Legal basis: Article 19 of the Detailed Rules for the Implementation of the Basic Medical Insurance for Urban Residents, urban insured residents should bear a certain amount of medical expenses each time they are hospitalized, that is, the Qifubiaozhun. Qifubiaozhun is determined according to different levels of medical institutions: first-level designated medical institutions in 300 yuan (including designated community health service centers), second-level designated medical institutions in 500 yuan and third-level designated medical institutions in 700 yuan.

The proportion of hospitalization reimbursement for insured residents is: 70% for designated medical institutions at the first level (including designated community health service centers) above Qifubiaozhun, 60% for designated medical institutions at the second level and 50% for designated medical institutions at the third level.

The maximum annual payment limit of the overall fund is 30,000 yuan per person.