What does the medical insurance individual payment ratio mean? The medical insurance individual payment ratio refers to the proportion that insured persons need to bear themselves when seeking medical treatment or purchasing medicines, medical equipment and other medical expenses.

Specifically, the individual payment ratio of medical insurance is based on different medical expenses, and the insured person shall bear part of the cost according to a certain proportion.

In the medical insurance system, medical insurance funds are mainly used to pay the medical expenses of insured persons, including hospitalization expenses, outpatient expenses, drug expenses, etc.

The individual payment ratio of medical insurance is to balance the burden of the medical insurance fund and the burden of the insured persons, and avoid the situation where the burden of the medical insurance fund is too heavy or the burden of the insured persons is too light.

Generally speaking, the individual payment ratio of medical insurance varies according to the medical expenses.

For example, some drug costs may only require the insured to bear a portion, while some high surgical costs may require the insured to bear a higher proportion.

In addition, medical insurance policies in different regions may also be different, so the specific individual payment ratio for medical insurance needs to be determined according to local policies.

To sum up, the personal payment ratio of medical insurance refers to the proportion of insured persons who need to bear their own medical expenses when seeking medical treatment or purchasing medicines, medical equipment and other medical expenses.

It is an important provision in the medical insurance system, aiming to balance the burden on the medical insurance fund and the insured persons, and ensure the sustainability and fairness of the medical insurance system.

Legal Basis According to the provisions of the "Social Insurance Law of the People's Republic of China", employees should participate in employee basic medical insurance, and the employer and employees shall jointly pay basic medical insurance premiums in accordance with national regulations.

At the same time, the basic medical insurance premiums that employees should pay shall be withheld and paid by the employer.

Therefore, the individual payment ratio of medical insurance is determined in accordance with national regulations, and insured persons need to bear part of their own medical expenses in accordance with regulations.