Legal analysis: With the development of Binzhou economy, many companies have handled Binzhou medical insurance for their employees, but many employees know little about medical insurance reimbursement. In fact, Binzhou medical insurance reimbursement rate is divided into first-class and second-class. The insured pays 80% in first-class hospitals, 70% in second-class hospitals, 60% in third-class hospitals, 90% in first-class hospitals, 80% in second-class hospitals and 70% in third-class hospitals.

Legal basis: Article 30 of the Social Insurance Law of People's Republic of China (PRC), the following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) Those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (3) It shall be borne by public health; (4) those who go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.