1. Reimbursement amount Employee medical insurance: There is a minimum reimbursement limit of 1,800 yuan for outpatient medical expenses for active employees, and 70% of the reimbursement rate exceeds 1,800 yuan.

If you are hospitalized, there is a minimum reimbursement threshold of 1,800 yuan for hospitalization expenses. Depending on the level of hospitalization, the reimbursement ratio is also different, with a cap of 20,000 yuan per year.

The minimum payment threshold for hospitalization is 1,300 yuan for the first time and 650 yuan for the second time. If Feng wants to know more about the medical insurance reimbursement amount and reimbursement ratio, let's take a look.

1. Reimbursement Amount Employee Medical Insurance: There is a minimum reimbursement limit of 1,800 yuan for outpatient medical expenses for active employees, and 70% of the reimbursement rate exceeds 1,800 yuan.

If you are hospitalized, there is a minimum reimbursement threshold of 1,800 yuan for hospitalization expenses. Depending on the level of hospitalization, the reimbursement ratio is also different, with a cap of 20,000 yuan per year.

The minimum payment for hospitalization is 1,300 yuan for the first time, 650 yuan for the second time, and the cap seems to be 350,000 yuan. Resident medical insurance: the minimum payment for outpatient service is 650 yuan, with a cap of 2,000 yuan. The first payment for hospitalization is 1,300 yuan, 650 yuan for the second time, and the cap is 170,000 yuan. 1. Minimum payment standard

: Within a medical insurance year, the minimum payment standard for the first hospitalization is 1,300 yuan, and the second and subsequent hospitalizations are 650 yuan; 2. Reimbursement ratio: adopt the method of segmented calculation and cumulative payment, and the payment ratio is calculated according to the hospital level.

; 3. Payment limit: The cumulative maximum payment limit of the basic medical insurance pooling fund in one year is 100,000 yuan, and the cumulative maximum payment limit of large mutual aid funds is 200,000 yuan, with a maximum of 300,000 yuan.

2. Reimbursement ratio The medical expenses incurred by employees and retirees during a settlement period shall be calculated in sections and paid cumulatively according to the hospital level and expense amount, and shall be shared by the basic medical insurance coordinating fund and individuals according to the following proportions: (1)

Medical expenses incurred in tertiary hospitals: 1. For the part from the minimum payment standard to 10,000 yuan, the overall fund will pay 80%, and the employee will pay 20%; 2. For the part exceeding 10,000 yuan to 30,000 yuan, the overall fund will pay 85%

, employees pay 15%; 3. For the portion exceeding RMB 30,000 to RMB 40,000, the overall fund pays 90% and employees pay 10%; 4. For the portion exceeding RMB 40,000, the overall fund pays 95% and employees pay 5%.

(2) Medical expenses incurred in secondary hospitals: 1. For the part from the minimum payment standard to 10,000 yuan, the overall fund will pay 82%, and the employee will pay 18%; 2. For the part exceeding 10,000 yuan to 30,000 yuan, the overall fund will pay

87% is paid, and employees pay 13%; 3. For the part exceeding 30,000 yuan to 40,000 yuan, the overall fund pays 92%, and employees pay 8%; 4. For the part exceeding 40,000 yuan, the overall fund pays 97%, and employees pay

3%.

(3) Medical expenses incurred in first-level hospitals and family beds: 1. For the part from the minimum payment standard to 10,000 yuan, the overall fund pays 85% and the employee pays 15%; 2. For the part exceeding 10,000 yuan to 30,000 yuan

, the overall fund pays 90% and employees pay 10%; 3. For the part exceeding 30,000 yuan to 40,000 yuan, the overall fund pays 95% and employees pay 5%; 4. For the part exceeding 40,000 yuan, the overall fund pays 97%

, employees pay 3%.

(4) The personal payment ratio for retirees is 60% of the employee payment ratio.

3. The concept of medical insurance Medical insurance refers to basic medical insurance premiums that must be paid in full and on time by employers and individual employees through national legislation and in accordance with the principle of compulsory social insurance.

If payment is not made in full and on time, the basic medical insurance pooling fund will not pay for medical expenses, regardless of personal account.

Take the medical insurance payment ratio in Beijing as an example: the employer pays 10% of its total payment base every month, and the employee pays 2% of his salary + 3 yuan for serious illness.

Medical insurance is a type of insurance that compensates for medical expenses caused by illness.

Social insurance that provides necessary medical services or material assistance to employees due to illness, injury, or childbirth, provided by the society or the enterprise.

Such as China's publicly funded medical care and labor insurance medical care.

The medical expenses of Chinese employees are jointly borne by the state, units and individuals to reduce the burden on enterprises and avoid waste.

If an insured accident requires treatment, the insurance premium will be paid in proportion.

On April 20, 2016, the Ministry of Human Resources and Social Security proposed the merger and implementation of maternity insurance and basic medical insurance.

By the end of 2016, the national network of medical insurance has been basically realized. At the same time, the direct settlement of hospital medical expenses for retirees resettled in different places across provinces has been launched. The national out-of-town medical settlement system has passed preliminary acceptance.