The local additional medical insurance premium paid by the employer constitutes the local additional medical insurance fund. Additional funds are used to pay the following medical expenses that meet the requirements of medical insurance:

(1) In a year of medical insurance, the medical expenses incurred by employees in hospitalization, emergency observation room, outpatient serious illness or family bed medical treatment exceed the maximum payment limit of the overall fund.

(2) In a medical insurance year, after the fund is used up, the personal medical account is included in the outpatient emergency (except for serious outpatient illness paid by the overall fund).