1, students and children: 80% in Grade A hospitals;
2. High-grade: 80% of first-class hospitals;
3. Mid-range: 75% in Grade A hospitals;
4. Low grade: 70% of the third-class hospitals.
Participating in basic medical insurance has two purposes and functions:
(1) has personal medical insurance.
Medical insurance enjoys the medical security of social medical co-ordination fund during the insured period. When the insured falls ill during the insured period, he can get a high proportion of medical expenses reimbursement from the social basic medical insurance, so that the insured can get effective treatment in time and recover in time. However, its protection is limited to the insured period, and medical insurance does not bear the reimbursement of medical expenses during the insured period.
② Accumulate the years of medical insurance payment and get free medical insurance after retirement.
Pay a certain number of years of medical insurance (generally 25-30 years for men), stop paying after reaching the statutory retirement age, and enjoy the basic social medical insurance for life.
To sum up: eligible residents can be reimbursed for illness and hospitalization, and the reimbursement rate of first-class hospitals is 65%; The second-level hospital, the starting point is 300 yuan, and the reimbursement rate is 60%; 500 yuan, the minimum payment standard for tertiary hospitals, has a reimbursement rate of 55%, which has solved the problem that it is difficult and expensive for citizens to see a doctor, and truly guaranteed the interests of the people.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.