Legal analysis: The self-pay ratio refers to the percentage of medical expenses paid by the insured that is borne by the insured in the form of medical cost sharing in which the medical insurance institution and the patient jointly bear the costs.

The so-called personal out-of-pocket ratio refers to the proportion of medical expenses allowed to be paid by the medical insurance policy that is borne by the insured person.

Legal basis: "Regulations on the Supervision and Administration of the Use of Medical Security Funds" Article 17 Insured persons shall present their medical security certificates to seek medical treatment and purchase medicines, and voluntarily present them for inspection.

Insured persons have the right to require designated medical institutions to truthfully issue expense receipts and relevant information.

Insured persons should properly keep their medical insurance certificates to prevent others from using them under their false names.

If you need to entrust another person to purchase medicines on your behalf due to special reasons, the identity certificates of the entruster and the trustee should be provided.

Insured persons shall enjoy medical security benefits in accordance with regulations and shall not enjoy them repeatedly.

Insured persons have the right to request medical security handling agencies to provide medical security consulting services and make suggestions for improving the use of medical security funds.