Benefits of paying medical insurance: Personal medical accounts mainly cover users' own expenses, outpatient and emergency expenses. The principal and interest of individual medical accounts are owned by individuals and can be transferred and inherited. The medical insurance pooling fund mainly means that users can get reimbursement according to the payment scope of the pooling fund when they are hospitalized. When the insured suffers from major diseases, such as heart disease, and the annual accumulated basic expenses of specific items of hospitalization and outpatient service exceed the maximum limit line of the overall fund, he can get medical assistance for major diseases with a maximum limit of 6.5438+0.5 million yuan. The specific payment ratio is: when the maximum limit line of the overall fund is 0-654.38+0 million yuan, the individual only needs to pay 654.38+00% for the excess fee and 654.38+ for the excess fee. Inpatient medical expenses deductible line Hospital-level retirees 2.8% (790 yuan) First-level hospitals 4.2% (1 186 yuan) Third-level hospitals 7% (1977 yuan) Outpatient specific items medical expenses deductible line (regardless of hospital level) On-the-job retirees deductible line10. Personal payment ratio (including hospitalization and outpatient medical expenses for specific projects) Retirees' hospital-level pooling fund payment ratio Personal payment ratio First-class hospital 93% 7% Second-class hospital 89.5% 10.5% Third-class hospital 86% 14% Major disease Medicaid payment ratio Major disease Medicaid payment fee Major disease Medicaid personal payment ratio 0-65438+ 10,000 yuan 90. As can be seen from the above, there are many benefits to medical treatment, but the data may be different because of regional differences. It is recommended to consult the local social security center.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.