the amount of overall medical insurance is calculated on an annual basis.

1. The maximum payment limit of the co-ordination fund for the general outpatient service of urban workers insured is 3 yuan per month, including medical expenses and medical expenses;

2. The maximum payment limit for outpatient chronic diseases of urban workers insured is 2 yuan per month;

3. The annual maximum payment limit of minors and students in urban and rural areas is 1 yuan, which is limited to medicine fees;

4. The annual maximum payment limit of others in urban and rural areas is 6 yuan, which is also limited to medicine fees;

5. The annual cumulative maximum payment limit for hospitalization of urban workers is 445,5 yuan;

6. The annual maximum payment limit of major illness subsidies for urban workers is 222,7 yuan;

7. The annual cumulative maximum payment limit for urban and rural residents is 182, yuan;

8. The annual maximum payment limit of major illness subsidies for urban and rural residents is 12, to 18, yuan.

Basic principles of medical insurance:

1. Principle of mutual assistance and economic aid: The medical insurance system realizes risk sharing and resource sharing through centralized management and use of medical expenses of insured persons;

2. Principle of equal rights and responsibilities: Insured persons should pay medical insurance fees as required while enjoying medical insurance benefits;

3. Basic guarantee principle: medical insurance focuses on ensuring the basic medical needs of the insured, and restricts or pays for medical services beyond the basic guarantee scope;

4. Principle of fairness and reasonableness: The medical insurance system should ensure that all insured persons enjoy equal medical security rights under the same conditions;

5. principle of sustainable development: the design and operation of the medical insurance system should ensure long-term stability and prevent the risk of insufficient funds.

To sum up, the overall amount of medical insurance is calculated on an annual basis, with the maximum outpatient 3 yuan/month for urban workers and 2 yuan/month for chronic diseases, the annual limit for urban and rural residents' minors and students, 1 yuan and others' 6 yuan (only for medicine), the annual limit for urban workers' hospitalization and major illness subsidies are 445,5 yuan and 222,7 yuan respectively, and the annual limit for urban and rural residents' hospitalization and major illness subsidies is 182, yuan and 12, yuan respectively.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.