Medical insurance’s hospitalization reimbursement has deductible requirements, which vary in different regions.

For example: the minimum payment line for first-class hospitals in Guangzhou is 800, the minimum payment line for second-class hospitals is 1,200, and the minimum payment line for third-class hospitals is 1,600.

Jiangsu Medical Benefit Insurance No. 1 insurance coverage includes: 1. Coverage within medical insurance, personal out-of-pocket medical expenses incurred by the insured due to hospitalization or special treatment, and the use of state-negotiated "dual-channel" drugs for outpatient treatment (

(Including designated retail pharmacies)), after deducting the annual deductible of RMB 10,000, 65% of the portion of RMB 100,000 and below can be reimbursed, and 77% of the portion of RMB 100,000 and above can be reimbursed, but the reimbursement ratio for people with pre-existing conditions needs to be reduced by 10

%; 2. Liabilities outside medical insurance, including reasonable and necessary expenses for non-medical insurance drugs and high-value medical consumables incurred by the insured in medical institutions due to hospitalization or special treatment, as well as medical insurance drugs within the scope of indications in the drug instructions but within the scope of the indications.

For expenses incurred outside medical insurance, after deducting the annual deductible of RMB 20,000, 55% of the portion of RMB 100,000 and below can be reimbursed, and 67% of the portion of RMB 100,000 and above can be reimbursed, but the reimbursement ratio for people with pre-existing conditions needs to be reduced by 10%; 3. Severe and serious diseases

Re-insurance, for the remaining personal treatment expenses within the above two responsibilities, after deducting the 50,000-year deductible, 45% can be reimbursed, but the compensation ratio for people with pre-existing conditions needs to be reduced by 10%; 4

.Supplementary guarantee liability for rare disease drugs. For insured persons who are included in the rare disease drug guarantee mechanism of Jiangsu Province, if they use drugs listed in the "Orphan Drug Guarantee List" stipulated in the insurance contract, they will be covered by the rare disease drug guarantee funds,

After deducting the 50,000 annual deductible, 45% of the personal out-of-pocket drug expenses after reimbursement from medical assistance, charitable assistance, etc. can be reimbursed.