Starting from 0:00 on July 1, 2021, Shanghai employee medical insurance will enter the 2021 medical insurance year (July 1, 2021 to June 30, 2022). The maximum payment limit of the employee medical insurance pooling fund will be increased from 550,000 yuan to 57,000 yuan.

Ten thousand yuan, 80% of the portion above the maximum payment limit will continue to be reimbursed according to regulations.

01 Outpatient and emergency treatment for current employees ■ The amount included in the medical insurance for that year needs to be used first. After using it, it will enter the self-payment section. The self-payment amount is 1,500 yuan.

■When our self-pay amount exceeds 1,500 yuan, the expenses will be reimbursed according to the proportion as shown below.

Hospitalization or emergency observation room treatment: If hospitalization is required, don’t worry, as long as you pay medical insurance, most of the medical expenses can be borne by the medical insurance.

■First of all, we need to pay the minimum payment fee of 1,500 yuan.

■Expenses exceeding the threshold can be paid by medical insurance on a pro-rata basis.

02 Clinic and emergency treatment for retired employees ■ As long as you pay for employee medical insurance for 15 years before retirement, you can enjoy medical insurance for life after retirement, and you don’t have to pay individual fees.

■As retired employees get older, they may go to the hospital more frequently than before. Fortunately, the state has taken this into consideration. The standard of self-retirement is lower than that of those who are employed, and the reimbursement rate is also higher than that of those who are employed.

If the hospitalization or emergency observation room treatment benefits for retirees exceed the deductible standard, you only need to pay 8%, and most of the bills will be paid by the medical insurance fund.