There is an upper limit for medical insurance reimbursement. If it exceeds the upper limit, it cannot be reported. However, after the basic medical insurance reimbursement, large medical insurance can be reimbursed for the second time. It is characterized by increasing hundreds of thousands of medical reimbursement expenses and increasing the proportion of medical reimbursement for major diseases on the basis of the upper limit of basic medical insurance reimbursement.

2. Payment methods and payment standards are different.

There is no minimum payment period for large medical insurance, and you can't enjoy the protection treatment without paying; If the minimum payment period is set for the basic medical insurance and reaches the payment period (25 years for men and 20 years for women), you can enjoy the basic medical insurance benefits without paying after retirement.

The large medical insurance payment is lower than the employee's serious illness medical insurance, and the government will subsidize it; Medical insurance for enterprise employees is paid by employers and individual employees and does not enjoy government subsidies.

3. The scope of reimbursement is different.

Medical expenses that meet the payment scope of the basic medical insurance fund shall be reimbursed in accordance with the list of basic medical insurance drugs, the list of diagnosis and treatment items, the scope of service facilities and the payment standard stipulated by this Municipality.

The reimbursement scope of large medical insurance mainly guarantees the compliance medical expenses borne by individuals when the insured is seriously ill and the medical expenses are high. In order to avoid catastrophic medical expenses for urban and rural residents and reasonably determine the compensation policy for serious illness insurance, the actual payment ratio is not less than 50%.