The reimbursement policy for residents' health insurance is relatively clear, with outpatient expenses usually being reimbursed at about 60%. Inpatient reimbursement varies according to the level of the medical institution: at level 1 hospitals, the reimbursement rate is about 70%; at level 2 hospitals, it drops to 60%; and at level 3 hospitals, the rate is further reduced to 45%. It is worth noting that these figures may vary depending on regional differences.
For university student health insurance, the reimbursement policy is more detailed. The reimbursement rate is 35 percent for outpatient expenses under 1,000 yuan. If the medical expenses are between 1,000 yuan and 5,000 yuan (ranging from 1,000 yuan), the reimbursement rate is raised to 45 percent. When the cost is more than $5,000 but less than $10,000, the reimbursement rate is further increased to 55%. For medical expenses above $10,000, the reimbursement rate can reach 65%. However, it should be clear that these reimbursement rates are also affected by regional policies, so please consult your local health insurance policy for details.
Overall, the reimbursement rates for residents' and students' health insurance vary depending on the specific circumstances, including the cost of the medical services and the regulations of the region. When choosing a health insurance policy, it is recommended to learn more about the specific policies in your local area so that you can better utilize your insurance to reduce the burden of medical expenses.