100% Class A drugs are reimbursed according to the reimbursement ratio. Class A drugs refer to drugs formulated by the state, which are necessary for clinical treatment, widely used, with good curative effect and low price among similar drugs. The expenses incurred in the use of such drugs are included in the scope of payment of the basic medical insurance fund, and the expenses are paid according to the provisions of the basic medical insurance measures. When it is used in outpatient service, it can be paid with the medical insurance personal account on the card.

When used in a hospital, when class B drugs and other expenses of class B are settled by the insured, after class B pays 10% first, it is calculated as basic medical expenses together with class A expenses, and the part exceeding the hospital deductible expenses enjoys the proportion of overall payment (more than 80% for urban workers' medical insurance and 40% for urban residents' medical insurance).

Simply put, when you are in hospital, you should pay more. Reimbursement for medical insurance hospitalization —— After paying 10% of Class B expenses, more than 80% of the expenses exceeding the threshold fees can be "reimbursed" (occupational insurance). When you are hospitalized in a designated medical insurance hospital, instead of paying cash first and then reimbursing with bills, you issue a medical insurance card, so that the unified medical insurance settlement system can read the information of the insured and handle the hospitalization number. When you leave the hospital, the medical insurance system will not charge the "reimbursement" part-the overall payment part.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses standards, and shall be paid from the basic medical insurance fund in accordance with state regulations.

Derivative problem:

How to reimburse medical insurance?

(a) medical insurance for urban workers patients do not need to go to the social security center for reimbursement. Social security registration formalities shall be handled with the ID card upon admission, and discharge settlement formalities shall be handled with the admission registration form and ID card upon discharge;

(2) The reimbursement process of urban residents' medical insurance hospitalization, in which the insured person directly handles the settlement in the medical insurance office set up by the hospital with his ID card, and the reimbursement ratio depends on the level of the hospital and varies with local policies;

(3) The reimbursement for hospitalization of the new rural cooperative medical system is similar to that of urban residents. When the insured person is admitted to the hospital, he/she will go through the admission formalities with the ID card and doctor's arrangement, pay the hospitalization deposit, and go through the reimbursement formalities at the medical insurance office when he/she is discharged. Policies vary from place to place, depending on local policies.