You can look at the drug list in Shanghai. One part is Class A drugs, and the other part is Class B drugs, which are divided into 10% and 20% respectively. If drug A is 10% of drug B, the unit price is 100 yuan, that is to say, at first, this drug needs to be borne by individuals 10%, and the rest of 90 yuan will be borne by medical insurance according to the proportion of individual reimbursement. Generally speaking, medical insurance will not be compensated, but it is not the same as self-financing. Self-funded is not within the scope of medical insurance, classified self-funded is within the scope of medical insurance, and medical insurance does not pay. Medical insurance can be paid in some cases. For example, the insured of residential insurance does not need to pay their own classification conceit, because there is no classification conceit under this insurance. As long as this medicine is within the scope of medical insurance, it will be paid directly in proportion, 50% directly and half. No 10% or 20% needs to be borne by individuals first. In addition, the self-responsibility of classification is accumulated in the medical insurance system. When the medical expenses are too high and need to be completely reduced, the classified self-responsibility can be accumulated in the reimbursable expenses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.