The hospitalization reimbursement ratio of employee medical insurance in Urumqi is as follows: 1. Basic medical insurance reimbursement ratio: For employees who participate in basic medical insurance in Urumqi, the reimbursement ratio is 80% when they are hospitalized in designated medical institutions.

The remaining 20% ??of the cost shall be paid by the insured employees themselves; 2. Supplementary medical insurance reimbursement ratio: For employees who participate in the employee supplementary medical insurance in Urumqi, when they are hospitalized in designated medical institutions, the reimbursement ratio is 10%.

The remaining 90% of the cost is paid by the insured employees themselves.

Employee medical insurance application process: 1. After the employee joins the job, the unit will submit the employee’s personal information and medical insurance payment information to the local social insurance agency within the specified time to handle employee medical insurance registration; 2. The employee must hold a valid ID and personal information

Go to the local social insurance agency to handle the activation and collection procedures for the medical insurance card, and understand the local medical insurance policies and reimbursement standards; 3. Employees and units pay medical insurance fees according to the prescribed medical insurance payment ratio; 4. When employees need medical treatment,

Go to a medical institution designated by the medical insurance for diagnosis and treatment, pay the personal out-of-pocket expenses, and receive medical bills and other related materials; 5. Employees prepare reimbursement application materials (such as medical bills, expense lists, diagnosis certificates, etc.) and go to the local social insurance

The handling agency applies for medical insurance reimbursement; 6. The handling agency reviews the reimbursement application materials, determines the reimbursement ratio and amount, and deposits the reimbursement amount into the employee's medical insurance card account.

To sum up, the balance in the medical insurance account can only be used to pay medical expenses within the scope of medical insurance and cannot be used for other purposes.

Legal basis: Article 27 of the "Social Insurance Law of the People's Republic of China": Individuals participating in the basic medical insurance for employees who have accumulated contributions for the number of years specified by the state when they reach the statutory retirement age will no longer pay basic medical insurance premiums after retirement.

Enjoy basic medical insurance benefits in accordance with national regulations; those who have not reached the nationally prescribed years can pay premiums up to the nationally prescribed years.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.