Medical insurance is divided into employee medical insurance and urban and rural residents' medical insurance, and the reimbursement ratio varies from place to place. Take Beijing employee medical insurance as an example: the maximum reporting limit is 20,000 yuan. On-the-job employees' outpatient and emergency medical expenses can be reimbursed for more than 1800, and the reimbursement ratio is 50%; The outpatient and emergency medical expenses of retirees can be reimbursed for more than 1300, 70% under 70 years old and 80% over 70 years old.
Legal basis: Article 27 of the Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents: The hospitalization expenses of insured residents within the policy scope of designated medical institutions for basic medical insurance in the overall planning area shall be paid by the urban and rural residents' medical insurance fund in proportion: the township hospitals and community health service institutions shall not be less than 80%; County-level medical institutions are not less than 70%; Municipal medical institutions are not less than 60%. Each overall planning area reasonably determines the specific payment ratio according to the income and expenditure of urban and rural residents' medical insurance fund.