Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Hospitalization reimbursement-Qifubiaozhun is low, the proportion of * * * payment years is the highest, and the proportion of individual payment is the lowest. Different levels of medical insurance units are selected, and there are great differences in hospitalization qifubiaozhun, overall fund reimbursement amount and individual payment amount. Guangzhou Renai Tianhe Hospital is listed as a third-class first-class hospital (that is, a community service institution) and can enjoy the technical and service standards of a third-class first-class hospital. At the same time, it is also the hospital with the lowest minimum hospitalization Qifubiaozhun, the highest proportion of overall funds in the * * * payment period and the lowest proportion of individual payment. Proportion of reimbursement for hospitalization in first-class hospitals: the lowest deductible line is 200 yuan, and the highest deductible line is 400 yuan. The highest reimbursement is 90% from the overall fund, and individuals only need to pay 10%. Proportion of hospitalization reimbursement in secondary hospitals: the lowest deductible line reaches 400 yuan, the highest deductible line reaches 85% of the highest reimbursement in 800 yuan, and the individual needs to pay 15% of hospitalization reimbursement in tertiary hospitals: the lowest deductible line reaches 800 yuan. The maximum floating line is 1.600 yuan, and the maximum is 80% reimbursed by the overall fund and 20% by individuals. Calculation formula of hospitalization medical insurance: calculation formula of hospitalization medical insurance (taking 1 1,000 yuan as an example): Formula 1: hospitalization deductible +( 1 1,000-hospitalization deductible) × individual payment ratio = individual out-of-pocket expenses. Formula 2: Out-of-pocket expenses first (that is, within the three catalogues of medical insurance drugs, diagnosis and treatment items and medical service facilities, the insured person is required to pay part of the expenses first); Expenses below the minimum threshold; * * * Pay out-of-pocket expenses exceeding the maximum payment limit of Medicaid for major diseases.