Legal analysis: 75% of the personal burden within the scope of reimbursement of basic medical insurance for seriously ill medical insurance participants is reimbursed by supplementary medical insurance for serious illness; The scope of reimbursement of serious illness medical insurance is very important, that is, the insured exceeds the maximum payment limit of the basic medical insurance pooling fund, which is in line with the personal burden within the scope of reimbursement of basic medical insurance, and the reimbursement of supplementary medical insurance for serious illness is 75%; In a natural year, the cumulative maximum reimbursement amount is 400,000 yuan.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and both employers and employees shall pay the basic medical insurance premium according to the provisions of the state.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.