The medical insurance pooling fund has an annual limit, which refers to the upper limit of the medical expenses that the pooling fund can pay each year. If the insured medical expenses exceed the prescribed limit, the basic medical insurance will not pay.

Because of different regions, if the medical insurance reimbursement in some places exceeds the limit, you can continue to use it, but the reimbursement ratio for the excess part will be slightly reduced.

Taking Shanghai as an example, Shanghai’s hospitalization insurance coverage ratio is 85%, with an upper limit of 420,000. If reimbursement exceeds 420,000, the excess reimbursement ratio is reduced to 80%, which is a decrease of only 5%.

According to the State Council's "Decision on Establishing a Basic Medical Insurance System for Urban Employees", the minimum payment standard for the basic medical insurance pooling fund is in principle controlled at about 10% of the average annual salary of local employees, and the maximum payment limit is in principle controlled at about 10% of the average annual salary of local employees.

About 4 times.

Under normal circumstances, the expenses that need to be reimbursed will not exceed this limit unless it is a very serious illness, so there is no need to worry.

If you are really worried, you can purchase commercial insurance as appropriate to supplement this. In this way, there will be double insurance to protect the personal and property safety of the policy holder.

In today's society, people's living material standards are gradually improving, and their demand for self-protection is also increasing. It is necessary to formulate a reasonable insurance plan to protect your life.