it depends on the specific medical insurance policy and the type of medical insurance that the individual participates in.

I. types of medical insurance and reimbursement standards

medical insurance is mainly divided into basic medical insurance for urban workers and basic medical insurance for urban and rural residents. Different types of medical insurance have different reimbursement standards, deductible lines and reimbursement ratios. Generally speaking, the reimbursement standard of basic medical insurance for urban employees is relatively high, and the deductible line is correspondingly high; The basic medical insurance for urban and rural residents may be relatively low.

ii. deductible line and reimbursement ratio

deductible line is a threshold for medical insurance reimbursement, and only when medical expenses exceed this threshold will medical insurance begin to reimburse. The deductible is designed to reduce the burden of medical insurance fund and encourage individuals to bear certain medical expenses. The reimbursement ratio refers to the proportion of medical expenses reimbursed by the medical insurance fund beyond the deductible. The reimbursement ratio will be different in different regions and different types of medical insurance.

iii. medical insurance catalogue and reimbursement scope

medical insurance reimbursement does not cover all medical expenses, but determines the reimbursement scope according to the medical insurance catalogue. The expenses of drugs, diagnosis and treatment items in the medical insurance catalogue can be reimbursed according to a certain proportion after reaching the deductible line; Expenses outside the catalogue are usually not reimbursed. Therefore, understanding the medical insurance catalogue is of great significance for rational use of medical insurance resources and reducing personal burden.

To sum up:

How much medical insurance consumption can be reimbursed depends on the specific medical insurance policy, the types of medical insurance that individuals participate in and the actual situation of medical expenses. In order to obtain more accurate reimbursement information, individuals are advised to consult the local social security department or medical insurance institution for relevant policies and regulations. At the same time, rational use of medical insurance resources and understanding of medical insurance catalogue and reimbursement scope will help to reduce personal medical burden and improve the level of medical security.

Legal basis:

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

stipulates:

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.

Article 3 of the Social Insurance Law of the People's Republic of China

stipulates:

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) Those that should be paid from the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) It shall be borne by public health;

(4) seeking medical treatment abroad.

the medical expenses shall be borne by the third party according to law. if the third party fails to pay or cannot determine the third party, the basic medical insurance fund shall pay in advance. After the basic medical insurance fund has paid in advance, it has the right to recover from the third party.